About The Mortgage Story
The Mortgage Story is a trading style of The Mortgage Story Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd and is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number: 991223). We were founded on a simple belief: that getting a mortgage should feel straightforward, personal, and stress-free – regardless of how complex your circumstances are.
We work with clients across the full spectrum of mortgage needs, but our deepest expertise lies in the areas most brokers find difficult: UK expat mortgages, foreign national mortgages, and buy-to-let for overseas investors. These are the cases where lender knowledge, manual underwriting relationships, and specialist market access make the difference between an approval and a decline.
What We Do
We are a whole-of-market broker, meaning we are not tied to any single lender or panel. We have access to over 40 lenders – including specialist expat and international lenders that are not accessible directly or through high street banks. This independence means we find the right product for your circumstances, not the most convenient one for us.
Our services cover:
- Expat mortgages – for UK nationals living and working abroad, across all major expat destinations including the UAE, USA, Canada, Switzerland, Singapore, Australia, Hong Kong, South Africa, and Europe
- Foreign national mortgages – for non-UK citizens purchasing residential or buy-to-let property in the UK, including US, Canadian, Swiss, UAE, Hong Kong, and other nationalities
- Buy-to-let mortgages – for UK residents and overseas investors building rental property portfolios
- Residential mortgages – first-time buyers, home movers, and remortgages
- Specialist lending – self-employed, complex income, professional mortgages, and non-standard cases
- Protection – life insurance, critical illness cover, and income protection
Our Approach
We take the view that there is no such thing as a standard mortgage client. Every person who comes to us has their own story – their own income structure, their own circumstances, their own goals. We listen first, ask the right questions, and then do the work to find the solution.
We never use complicated jargon. We never make our clients feel like a case number. And we never recommend a product unless we are confident it is the right fit. Our clients tell us this approach is rare – we think it should be the norm.
Initial consultations are always free and without obligation. We typically charge a broker fee of £495 for arranging a mortgage, though the precise amount may vary depending on circumstances and will not exceed £1,000. There is no fee for providing mortgage advice.
Our Qualifications and Credentials
- FCA regulated: The Mortgage Story is a trading style of The Mortgage Story Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd and is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 991223
- FCA Firm Reference Number: 991223
- CII qualified advisors: All mortgage advisors hold the Chartered Insurance Institute (CII) qualifications, the industry-standard qualification for UK mortgage professionals
- Whole of market access: Independent access to 40+ lenders including specialist expat and international lenders
- Registered in England and Wales: Company Number 1453786
- Registered Office: 85 Great Portland Street, London, W1W 7LT
You can verify our FCA registration at any time on the Financial Services Register.
Who We Serve
Local Clients – Surrey, Essex and Greater London
Our roots are in Surrey, Essex and Greater London. We know the local property market well and have helped hundreds of clients in these areas purchase their first home, move to their next one, or remortgage to a better deal. If you are based in Surrey, Essex or anywhere across Greater London and need mortgage advice, we would love to hear from you.
UK Expats Worldwide
A significant part of our practice is dedicated to UK nationals living overseas who want to buy or invest in UK property. We work with expat clients based in every major time zone – from the UAE, Switzerland and Europe through to Singapore, Hong Kong, Australia and the Americas. The entire process can be managed remotely; we have helped clients complete UK mortgages without once needing to travel to the UK.
International and Foreign National Buyers
We are one of a small number of UK brokers with deep practical experience in foreign national mortgages. We regularly assist buyers from the US, Canada, Switzerland, UAE, Hong Kong, Singapore, Australia, and many other countries in purchasing UK property – both as investments and as primary or secondary residences. We understand the nuances of foreign currency income assessment, overseas credit histories, and the specific lender criteria that apply to international buyers.
Complex and Specialist Cases
We actively seek out the cases other brokers turn away. Self-employed with complex income? Multiple income sources? Non-standard employment? Limited UK credit history? We have the lender relationships and the knowledge to find solutions where others cannot.
Our Promise
We will always be honest about what is and is not achievable. We will never waste your time submitting an application we do not believe will succeed. And we will keep you informed at every stage – because your mortgage is one of the most important financial decisions you will ever make, and you deserve to understand exactly what is happening and why.
The Mortgage Story is a trading style of The Mortgage Story Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd and is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 991223. Your home may be repossessed if you do not keep up with repayments on your mortgage.
Want to find out what we can do for you? Book a free consultation – no obligation, no jargon, just straight answers.