The Mortgage Cafe

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About us

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 Milton Keynes.


How we Work our Approach

We are an internet-based company working solely through our website. We often receive recommendations and referrals from satisfied clients, which is a true measure of the quality service we provide. You can send us an enquiry via email, or complete an on-line enquiry form, or contact an adviser by phone. We do not operate a call centre, so you’ll always speak directly to a mortgage adviser. There is no ‘sales process’ in the service we provide. We’ll ask a few vital questions in order to understand your circumstances and requirements, before sending you details of the most appropriate options to suit your needs. We’ll welcome any questions, or queries you may have and we’ll answer promptly. We’ll send you detailed mortgage illustrations, or indicative mortgage terms and when you’re ready to proceed with a mortgage application, we’ll even complete the application form for you. In all cases, you choose when you’re ready to apply for a mortgage.

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 for details of this service.

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Why Choose Us?

Listen to your Requirements

Tell us what your circumstances are and what your requirements are and we’ll create a file and make notes of what you tell us.We’ll ask a few more questions and list your answers until we’ve formed a complete ‘picture’ of your enquiry. We’ll send you details of mortgages that are the best match.

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

Everyone we speak to is an individual and no two people are the same so we don’t use a ‘one size fits all’ approach. We don’t even have a dedicated form to fill in when you contact us for the first time. What we will do is to have a meaningful conversation with you and note what you want us to do. We’ll take time to fully understand what your situation is and what you’re looking to achieve.

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.

Commercial Finance

A Business Mortgage is required where a person runs their own business in the property to be mortgaged. This could be a retail shop, a factory, warehouse or hotel etc. An investment Mortgage is required where the commercial property is being rented, or leased. Both are readily available on interest only terms or capital and interest repayment terms.

Bridging Finance

There are many uses for bridging loans, but two of the most popular uses are for properties requiring refurbishment, or renovation and auction purchases. We have lenders who will not only lend to assist the purchase, but also lend for the refurbishment costs too. Some lenders even have their own BTL and HMO mortgages available to switch into, within the first 6 months from purchase.

Development Funding

House building is on the rise and we have access to lenders who can fund anything from a single house to a block of flats, or a housing estate and even commercial developments. Terms can be tailored to suit most applicants’ requirements, with interest rolled into the loan, and arrangement fees by negotiation. Some lenders lend against the Gross Developed Value(GDV).