A niche UK broker
mortgage that's

Finding a mortgage that’s right for you, no matter your circumstance.

What type of mortgage should I get?

There are literally thousands of different types of mortgages on the market, and choosing one can be daunting. Don't worry though our experienced mortgage advisors will find the perfect deal for you

Independent Expert Advice

Call back within 60 seconds

To arrange a meeting with one of our expert mortgage advisers complete our enquiry form and we will call you back.


5 reasons to choose OMB

Expert advice

We have been providing solutions to our clients for many years and continue to be the most trusted and referred to mortgage brokers.

All credit considered

Securing a mortgage can be testing at the best of times. If you’ve got a poor credit history, it can be even tougher. Luckily, we can help you secure a mortgage, even if you’ve had a previously poor credit rating.

So many clients trust us

We’ve helped hundreds of people with their mortgages, let us find the perfect match for you.

Open 7 days a week

We love what we do that’s why we are open 7 days week for you.

Get a free no obligation quote

Our expert advisors are on hand to answer your questions and find you the most suitable solution for you.

Get to know our mortgage broker

Our Mortgage Broker Limited was found with one goal in mind, being the most trusted, referred and sought after residential and commercial broker in the UK.

Our Team

Specialists, hired in key areas that work synergistically with each other.

Each member plays an integral role in our vision to deliver the very best client experience possible.

We our customers

Thank you for taking the time to help find me a buy to let mortgage which proved difficult to get initially. I’m happy with the product we found and now in the process of finalizing the purchase. Will certainly recommend your services to others and look forward to working with you again in the future.

Mr Aiyedogbon

I cannot recommend Akhil form our mortgage broker highly enough. Fundamentally not just a great broker, but a good decent human being that has only the clients’ interests at heart and not just the banks.

Mr Mohindra

Great service and always there to answer any queries regardless of the time. I used Akhil and his team for a few remortgages and they proved their worth every time. I would definitely recommend to anyone else looking for mortgages and will most definitely be using again in the future.

Mr Patel

The overall service I received from Our Mortgage Broker was second to none. Akhil was fantastic throughout the whole process. His customer service was first class. He kept in regular contact from start to finish and ensured I clearly understood what was happening. Even after the process was complete, he kept in contact to see how the rest of the house buying process was going. He wanted what was best for me and went about ensuring I got it. Akhil possess a great deal of knowledge of the industry. I highly recommend his service to everyone. If you are looking for a trusted broker the Our Mortgage Broker is the one. Thank you for your help and services Akhil.

Mr Patel

Fantastic experience with Akhil. He was so helpful throughout the entire purchase process with open, honest advice. He was always available for a chat, talk through options and recommend what was best for to consider. I will be recommending him to everyone.

Mr Dhaliwal

The support and help for a smooth outcome, Excellent service and will be highly recommended.

Ms Anderson

I needed to remortgage my property to release equity for consolidation. I was very pleased with the help and support Akhil provided throughout the process and will be using his services in the future. Furthermore, I will be highly recommending him to family and friends.

Mr Virdee

Akhil has been fantastic in securing our Mortgage, always there when needed and very efficient! We will definitely use his services in the future and recommend to friends and family.

Mr Hughes

Excellent service. Akhil was very efficient, I just want say thank you for your help and would highly recommend you.

Mr Moseley

The service and standard of advice we received from Our Mortgage Broker was exceptional. We found them very easy to work with and met with them on the weekends to discuss our mortgage requirements. I would highly recommend Our Mortgage Broker.

Mr Saini

Women Smiling

Ready to discuss your mortgage options?


And call us for a free and no obligation chat.


Why choose OMB?

  • Expert advice
  • All credit considered
  • So many clients trust us
  • Open 7 days a week
  • Get a free no obligation quote

Stay Up-to-date

Be the first to know what’s going on in the world of property investment

Getting a mortgage FAQs

Can’t find what you are looking for?

Our friendly mortgage advisors are always happy to help, no matter your credit score, so call us for a free, no obligation chat.
What is a Mortgage?

A mortgage is a loan from a bank or building society that enables you to purchase property. The loan is repaid with interest over a number of years, with the term for doing this dependent on your personal financial circumstances.

A mortgage can be held by an individual or jointly between one or more people, but if you do not keep up your repayments, your home could be repossessed by the lender.

Will i be accepted for a Mortgage?

All mortgage lenders have their own criteria. The following factors all play a part in determining their mortgage offer and how much they are willing to lend to you:

  • Amount you wish to borrow
  • Size of your deposit
  • Employment status and income
  • Credit rating
  • Outgoings
  • Existing debt
  • Your age
  • Length of the mortgage term
  • Your credit status
  • If you are applying solely or jointly

In order to be accepted, you need to convince lenders that you are able to repay your mortgage. To do this, lenders typically use your credit report to check your repayment history. Your credit file will contain current and existing records on items such as credit cards, loans, overdrafts, mortgages, mobile phone/s, some utilities payments and all accounts opened in the past six years. If you have had arrears, defaults, CCJs, debt management plans or previously been made bankrupt, there are mortgage options available which we can help you with.

How does the Mortgage application process work?

To get a mortgage, you will need to save a deposit of at least 5%. However, the more you can save, the better your rate will usually be. If you already own your own home, you can use the equity in your property for this. Our expert mortgage advisors can talk you through the benefits and the difference in your monthly payments by increasing your deposit.

 Once you have found the property you want to buy, our mortgage brokers will assess your personal needs and circumstances and recommend a mortgage product that is right for you. They will compare hundreds of mortgage quotes, including a number of exclusive products that cannot be found on the high street or comparison sites, and ensure that you get the right deal at a great price.

 If you are happy with the mortgage product your advisor recommends, you will then receive an Agreement in Principle (AIP). This will give you an approximate sum of how much the lender is willing to let you borrow, and enable you to put an offer in on your dream home.

 If your offer is accepted, you will need to appoint a solicitor to handle searches, surveys and contracts, which we can arrange for you. We handle the entire mortgage application process through to completion, liaising with your solicitor and lender to ensure that your application is a success.

 If you are looking to remortgage, then we recommend looking for a new mortgage deal around 3 months before your current deal expires. Starting early will give you plenty of time to compare all the available mortgage products and submit your application. If your mortgage is approved early there’s no need to panic, as we will ensure that the completion date corresponds with your current deal’s end date.

How much can I afford to borrow?

Most mortgage lenders will lend you up to five times your salary. However, this is dependent on a number of factors including your age, number of dependants and current financial commitments. Lenders generally work out how much they will lend you based on what you can realistically afford each month after you have paid your bills, credit cards, loans etc.

Our Mortgage Broker can help you understand how much you can realistically borrow before an application or credit search is completed, by assessing your individual needs and circumstances. If you choose to proceed with an application, then our advisers will know which mortgage lenders to approach to ensure you get the required loan amount.

How much deposit will I need?

To buy a home with a mortgage, you will need to save a deposit of at least 5%. The more you can save, the better your mortgage rate will be. There are a few exceptions to this however as follows: 

  • If you already own a home, you can use the equity from your property for the deposit
  • If you are a council tenant and are looking to buy your current home under the Right to Buy scheme, most mortgage lenders will now accept your Right to Buy discount as a deposit.

With property prices increasing, first time buyers are struggling to save enough money to buy a home. The government has therefore introduced ‘Help to Buy’ to enable first time buyers to get on the property ladder.

Our professional mortgage advisors are experts on all the various mortgage deals available and can help you decide which mortgage deal best fits your needs

Can i get a mortgage with bad credit?

If you have a history of bad credit including; arrears, defaults, county court judgements (CCJs), debt management plans or bankruptcy, there are still mortgage options available. Your choice of mortgage lender and type of mortgage will however be limited, and the rate of interest will be higher than someone who has a good credit rating.

Our expert mortgage brokers are in regular contact with adverse mortgage lenders and are well placed to advise you on all your available options.

Our Mortgage Broker Logo
Our Mortgage Broker Logo
Our Mortgage Broker Logo

How it works

Our 3 simple steps to getting your mortgage



Complete our simple form to quickly see if you can get a mortgage.



We'll take care of all your paperwork across your entire application.



Sit back and enjoy the benefits of your new mortgage.

Talk to our experts today


Our Locations


0203 971 1234




  • Berkeley Square House
  • Berkeley Square
  • London
  • W1J 6BD


  • Venture House
  • Arlington Square
  • Bracknell
  • RG12 1WA


  • Lewis Building
  • 35 Bull Street
  • Birmingham
  • B4 6EQ

Free mortgage advice            Expert advice            All credit considered            Many clients trust us            Open 7 days a week            GET A FREE NO OBLIGATION QUOTE