The Mortgage Lab is an appointed representative of Mortgage Next Network Ltd, who is authorised and regulated by the Financial Services Authority.

The Mortgage Lab is a ‘Whole of Market’ mortgage brokerage, which gives us wider scope with the benefit to you being that we can source from a range of lenders and products to find the most suitable product to meet your needs.

The principal of the Mortgage Lab has 18 years financial experience and is fully qualified so you can be confident that you’re dealing with a reputable, regulated company.

In order for us to be able to find the best mortgage to suit your individual circumstances we will need to ask you some questions that relate to your Personal, Employment and credit information and what type of product you are looking for, you can do this by filling in our on line enquiry form or by asking for a call back or calling us.

The Mortgage Lab aims to complete a new mortgage for you and get you in your new home within six to eight weeks depending on your individual circumstances and for a remortgage application within six weeks. Very few cases will take more than these times.

This is dependant on your individual circumstances, some lenders we have used now use affordability calculators rather than income multiples so the best thing is to contact us and let us find out for you.

If it is remotely possible, we will endeavour to do it. CCJs by themselves do not always disqualify you from obtaining credit, but it depends upon a number of factors. We are very experienced at dealing with these situations and will advise you of the best course of action. We can liaise with lenders on your behalf and ensure a sympathetic hearing in the light of your circumstances.

The overall cost for comparison is 8.5%APR. The actual rate available will depend on your circumstances. Please ask for a personalised illustration. This information is correct at time of publication but may become outdated.

Depending on the mortgage or remortgage product you choose, you may be charged an early repayment charge if you repay your mortgage within the first few years. However, The Mortgage Lab will ensure that any such early repayment charges are highlighted to you before your application is completed and before you’ve paid any fees.

Getting a quote from The Mortgage Lab will not affect your credit rating, and no searches will be undertaken by the lender for the purposes of providing an initial quote. We will use our mortgage database to match your requirements and then speak to you about these before we approach the lender on your behalf.

However, if you decide to go ahead with applying for a mortgage or remortgage with The Mortgage Lab, a credit search will be (in the majority of cases) undertaken and this will be recorded on your credit files.

Yes! I am happy to arrange a visit at a time convenient to you. I am fully qualified and knowledgeable professional and will have been fully appraised of your situation before the meeting.

We charge no fees upfront; we may charge a broker fee ON COMPLETION depending on your circumstances this will never exceed £250. This fee will be advised to you at the outset and will be set out in the initial disclosure document. The only fee that you have to pay upfront, once you have agreed to use us and been accepted by a lender is the lender’s submission fee which is for their administrative work and for the valuation, this cost varies on the lender and also the value of the property.