Business Details
29 Years
experience
Your Trusted Mortgage Brokers in Kettering
Established in 1997, The Mortgage Store has built a reputation for delivering expert mortgage advice tailored to individual client needs. With over 30 years of combined experience, our team specialises in navigating the complexities of the mortgage market to secure bespoke solutions for clients, including first-time buyers, self-employed individuals, and those with adverse credit histories. Our impartial approach ensures recommendations prioritise client interests, supported by partnerships with a wide range of lenders.We pride ourselves on transparency, offering fixed-fee structures and no hidden costs, while maintaining accessibility through flexible appointment times and out-of-hours communication. Our commitment to excellence is reflected in our track record of repeat business and referrals from satisfied clients across Kettering and surrounding areas.
Services
Mortgage Advice
Remortgage Solutions
First-Time Buyers
Adverse Credit
Self-Employed
Buy to Let
Mortgage Protection
Details
- Year established: 1997
Highlights and features
- 30+ years of mortgage industry experience
- Impartial advice focused solely on client needs
- Tailored mortgage protection solutions from the entire market
- Flexible appointment times, including evenings and weekends
- Rapid updates through established lender and solicitor relationships
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Highly recommend
Knowledgeable team
Stress-free process
Rapid mortgage approvals
Services
Mortgage Advice
Our mortgage advisory service provides personalised guidance to help clients secure suitable mortgage deals. With access to the entire market, we assess individual financial circumstances, credit histories, and property goals to recommend competitive rates and terms. Our experienced brokers simplify complex mortgage criteria, ensuring clients understand all options while avoiding hidden fees. This service caters to first-time buyers, remortgagers, and those with unique financial situations.
Remortgage Solutions
We specialise in remortgaging services to help clients secure better rates or release equity from their properties. Our team analyses existing mortgage terms, credit profiles, and current market offerings to identify optimal refinancing opportunities. By leveraging relationships with multiple lenders, we streamline the process of switching providers while minimising disruption. Clients benefit from transparent fee structures and ongoing support through the entire remortgaging journey.
First-Time Buyers
Tailored support for first-time homebuyers navigating their initial property purchase. We explain mortgage fundamentals, assess affordability, and identify lender criteria suited to limited credit histories. Our brokers guide clients through deposit requirements, government schemes, and stress-free application processes. This service includes educational resources and step-by-step assistance to transform first-time buyers into confident homeowners.
Adverse Credit
Specialist mortgage solutions for clients with credit challenges such as missed payments or county court judgments. We work with lenders who consider individual circumstances beyond credit scores, focusing on financial recovery and stability. Our brokers provide honest assessments of eligibility while offering practical steps to improve mortgage prospects. This service helps clients rebuild homeownership opportunities through tailored lending pathways.
Buy to Let
Comprehensive mortgage advice for property investors seeking buy-to-let financing. We compare landlord-specific products, assess rental income viability, and explain tax implications. Our service accommodates portfolio landlords and first-time property investors alike, with access to specialist lenders offering competitive rates for buy-to-let portfolios. Clients receive strategic guidance on property investment growth and portfolio management.
People
Ian Wilson
Director
Ian has provided mortgage advice for over 30 years, specialising in complex cases and second-generation client relationships. His expertise includes finding bespoke solutions for clients rejected by mainstream lenders, supported by extensive market knowledge and lender relationships. He maintains professional accreditation through continuous regulatory compliance training.
Lynn Cartwright
Personal Assistant
Lynn manages mortgage processing and insurance services with 15+ years of financial sector experience. Her responsibilities include application administration, client communication, and office operations. She combines organisational expertise with a client-focused approach to ensure smooth mortgage transactions and ongoing customer support.
Questions
What mortgage services do you offer?
We provide full mortgage advisory services including first-time buyer mortgages, remortgaging, buy-to-let financing, adverse credit solutions, and self-employed mortgage applications.
Are your mortgage advisors qualified?
Yes, our advisors are authorised and regulated by the Financial Conduct Authority, with over 30 years of combined industry experience and ongoing professional development.
How do you charge for mortgage advice?
Initial consultations and agreement-in-principle services are free. A £299 fee applies for full mortgage application submissions, with no hidden charges or additional fees.
Can you help with bad credit mortgages?
Yes, we specialise in adverse credit cases and work with lenders who consider individual circumstances beyond credit scores to find viable mortgage solutions.
Do you offer out-of-hours appointments?
Yes, we provide flexible appointment times including evenings and weekends to accommodate client schedules and urgent property transactions.
What areas do you cover?
Based in Kettering, we serve clients across Northamptonshire and surrounding regions, with remote consultation options available for additional flexibility.
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