Learn More About Us Now
The Mortgage Café Limited is a Whole of Market independent mortgage broker working with all lenders in the market. These lenders range from the traditional ‘high street’ lenders to specialised lenders with specific niche lending criteria. Our expertise in mortgages has been built around knowledge gained from all aspects of the financial services industry in a period spanning over 25 years.
We have been awarded the Certificate in Mortgage Advice & Planning (CeMAP) and we own a Financial Planning Certificate demonstrating a commitment to high standards of ethics and work practice. Based in Bristol, our mortgage processing centre is in Paignton, Devon.
How we Work our Approach
Fees and Charges
All the initial discussions to find the right mortgage for you are without obligation – however long it takes! In most cases, we may charge an initial £89 application fee to obtain a decision in principle, plus an arrangement fee of £399 payable when the mortgage completes. In more complex cases the application fee is waived and the arrangement fee is 0.5% of loan amount. In the most difficult cases, including expats purchasing investment property in the UK, the arrangement fee is up to 1% of loan amount.
We also operate a self-service mortgage sourcing website, where none of the above fees are payable. Please see www.btl-direct.com for details of this service.
Why Choose Us?
Listen to your Requirements
Whole of the Market
We use all the lenders in the market to provide the best choice of mortgage products. Most of these lenders will be well known household names like Natwest, Woolwich and other traditional Building Societies. Some will be lesser known, but still major lenders like the Mortgage Works, Paragon and Kent Reliance. Lastly there are the specialised lenders (Challenger Banks) like Interbay, Shawbrook and Aldermore and many other new lenders.
Personal & Friendly Service
Our Expertise What we do
Buy to Let Mortgages
We have over 1000 Buy-to-Let mortgages in our mortgage sourcing system, with other bespoke lenders available for the more complex mortgage cases. We are confident to be able to find the right mortgage for you, whatever your circumstances. New innovative mortgages are constantly being developed.
Mortgages for HMOs
HMO mortgages are available up to 85% LTV, with, or without, an HMO licence and, in many cases, no previous letting experience is required. There are no minimum personal income requirements with some lenders. HMO mortgages for properties with up to 20 rooms. All HMO lenders are available through The Mortgage Café Limited.