About Mortgage Experts A Mortgage Now
Our Business
A Mortgage Now has successfully traded as a regulated mortgage advisor for over 20 years. Our business was built with the key focus of providing simple and convenient expert mortgage advice and a smooth application process for our clients.
Founded by Lawrence and Colum in 2001, A Mortgage Now has a wealth of experience advising thousands of clients with different financial circumstances.
Thanks to superior customer service and expert mortgage advice, A Mortgage Now has survived the rise of online aggregators such as comparethemarket, moneysupermarket, and gocompare through recommendations and word of mouth.
the focus of the business has always been to provide simple and convenient expert advice no matter where clients live. This means our experience as an online mortgage advisor spans well before the pandemic when a lot of other brokers decided to shift their services online. A Mortgage Now had already been taking meetings online and over the phone for 20 years serving customers all over the UK, creating systems and processes to handle online mortgage applications. This meant we could continue to trade as normal when the country was in lockdown, honoring our clients’ applications and keeping them informed.
As part of our commitment to providing transparent and convenient advice, our expert mortgage brokers are available to speak to 24/7, even taking calls on Christmas Day.
Our Team
Lawrence and Colum first met whilst working with a major international financial planning operation. At this time, they were both location managers, each responsible for over 100 financial and mortgage advisors across the UK. They have since channelled their knowledge and experience into creating their own brokerage, focusing on providing expert mortgage advice in a simple and convenient way online.
Lawrence Robbins, Partner, A Mortgage Now
Lawrence brings over 30 years of experience as a mortgage advisor to his role at A Mortgage Now. He has a Mortgage Advice Qualification from the Chartered Insurance Institute (MAQ), as well as a Financial Planning Certificate (FPC). In addition to advising clients on all aspects of mortgages and protection insurance, Lawrence is also responsible for:
- Business direction and strategic planning
- Maintaining and developing web presence
- Compliance and legal requirements
- Marketing
Connect with Lawrence on LinkedIn
Colum Cleary, Partner, A Mortgage Now
Colum brings over 35 years of experience as a mortgage advisor to his role at A Mortgage Now. He has a Mortgage Advice Qualification from the Chartered Insurance Institute (MAQ), as well as a Financial Planning Certificate (FPC). In addition to advising clients on all aspects of mortgages and protection insurance, Colum is also responsible for:
- Sales
- Customer relationships
- Introducer relationships
- Business direction and strategic planning
Our Expert Mortgage Service
Our self-built secure online systems to work alongside our website making it easy for our mortgage experts to give you the best and simplest service possible.
For you, as our Client, this means clear advice provided swiftly by our mortgage experts:
- Without Meetings
- Without Paperwork
- Without Fuss
Our Mortgage Experts
Our brokers offer decades of experience advising borrowers on their mortgages. Being an independent broker means we are not affiliated with any one Lender and can therefore provide applicants with mortgage options from the whole of the UK market, finding the best deal for them. With over 25 years of experience, our expert mortgage brokers are equipped to answer questions, provide advice, and guide applicants throughout their mortgage process. Our experts are here, for you.
Our Clients
Many of our clients are professionals, but we do serve a wide range of people both in the UK and around the World.
Our clients are those seeking expert advice and best value, swiftly, without fuss, and without paperwork.
Our Key Services
We can provide expert mortgage advice on any requirement you may have, from offset and interest only mortgages to secured loans and self-employed mortgages. Our mortgage experts specialise in:
- Mortgage Transfers
- Remortgages
- Mortgages for Doctors
- Mortgages for Dentists
- Mortgages for Professionals
- Mortgages for high-net-worth and high-income applicants
- Buy-to-let and investment mortgages
- HMO Mortgages
- Self Employed Mortgages
- Mortgages for the Newly Self Employed (1 years accounts)
- Below market value purchases from family
- Bridging mortgage loans
- Secured loans
Further Services
We also advise on protection issues such as:
- Protecting your family
- Protecting your home
- Protecting your income
- Protecting your business
Recommendations
It is important to us that our clients are 100% happy with our service as we build our business through recommendations. We, therefore, ask each client to provide us with feedback on our service and to consider recommending us to their friends and family. We ask each client to provide feedback to help us to improve our expert mortgage broker service.
Regulated Expert Mortgage Brokers
We are directly authorised by the Financial Conduct Authority (number 301637) to provide independent mortgage advice.
Because we are independent, our mortgage experts have the freedom to decide how we will work to the advantage of our clients, and which lenders we will choose to work with – we have access to the whole of the UK mortgage market.
How To Contact Our Mortgage Experts
When you approach a mortgage expert for independent advice you can contact us by telephone (0208 979 9684), or by email through the contact us page.
By far the easiest way however to start the process is to complete our 7-minute secure online mortgage offer in principle application form (seven minutes is the average time it takes our website visitors to complete the form).
A mortgage offer in principle form gives our mortgage expert sufficient information to make an initial assessment of your requirements and options at the outset. We can then follow up with a sensible conversation to inform and guide your thinking.
Please note that our mortgage consultants do not run credit scores with any lenders at any time without asking your express permission.
What To Expect From Your Expert Mortgage Broker
Once we understand your situation and requirements, we will discuss your mortgage options with you and gather any additional details and information we require to support your mortgage application.
As your application progresses, your mortgage expert will keep you updated regularly by email, SMS text, and telephone. Our online systems mean we are available for you 24 hours a day, seven days a week.
Call us if you are seeking an independent mortgage broker to assist you with your mortgage application in a simple, swift, and straightforward manner.
Three primary factors control the amount of interest you will pay on your mortgage:
- your mortgage rate
- the amount you are borrowing
- the length of time you require the money (mortgage term)
Therefore, as well as ensuring you have the best mortgage rate possible, it is important to maximise your deposit (a higher deposit equals a lower mortgage rate) and to pay off your lending as soon as possible.
We are experts when it comes to finding the best mortgage rates, and can also advise you on how pushing your deposit levels can reduce your overall mortgage costs.
It is important to set your mortgage term to keep the costs within your budget. Most mortgage lenders allow you to overpay a significant amount on your mortgage without penalty and this reduces the actual time over which you repay your mortgage and therefore your total mortgage interest charges.
If you intend to overpay lump sums, you should discuss this with your mortgage expert in the first instance so that suitable deals can be identified for you.