When it comes to getting a mortgage, most people go straight to their high-street bank. It’s a familiar name, they already bank there – it feels safe. But could they be missing out?
At The Mortgage Hut, we offer a service that’s far more personalised and meaningful – including access to mortgage deals that the big banks just can’t give you. We’re a small, whole-of-market mortgage broker who exist to give you choice, flexibility, and helpful advice.
Here are six things you’ll only get with us that big banks simply can’t match.
Whole-of-market access
High street banks only offer you their own mortgage products – a tiny selection of what’s actually out there. But we don’t work for the bank, we work for you, which is why we search the entire market, including specialist lenders and exclusive deals you won’t find on comparison websites.
We look for deals that fit your situation and goals, from residential first-time buyer mortgages to commercial mortgages for your new business venture.
Personalised, human advice
When you work with a big banks, you’re often communicating through call centres with rigid, scripted bank processes to follow – no deviations. At The Mortgage Hut, you’ll have a dedicated case manager assigned to you who will not only take the time to understand your circumstances and home ownership goals, but will guide you through the entire mortgage process from start to finish – making sure you’re up to date at every stage.
Fast, proactive responses
Not every lender accepts every type of applicant. If you approach a lender without knowing if you meet their criteria, you could be declined. This isn’t good for your credit score and could even impact future mortgage applications.
Unlike big banks, our broad expertise means we can quickly identify which lenders are most likely to approve your applications, helping you avoid rejection, delays, and a mark on your credit score – not to mention unnecessary stress.
Specialist knowledge for complex cases
Not everybody fits the standard mortgage mould – good credit score, permanent employment, standard property. There are many personal situations that can mean applying for a mortgage is a little more complicated, and these applicants often need to find specialist mortgage lenders who cater specifically to their situation.
Our mortgage advisors are experts in all kinds of mortgages, including first-time buyer mortgages, bad credit mortgages, and non-standard construction mortgages. Not only can we help you find a lender who will consider your application, but we’ll help you prepare it so that you’re putting your best foot forward, too.
Support beyond the mortgage offer
Our job isn’t done once your mortgage is in place. We actively monitor the market and notify you when remortgaging or saving opportunities arise. You can get these alerts on our industry-leading app, where you can track your case in real time and get instant updates.
When it’s time to renew, we’ll start securing your next deal six months before your current one ends. Once it’s locked in, we’ll review monthly to make sure you’re still on the best rate. Unlike the big banks, our mission is to find you the best deal we can.
Another one of the never-ending tasks on the house-buying to-do list is writing a Will. With The Mortgage Hut, you get a professionally written Will worth £499 – completely free. That’s one less thing to think about.
Profession-specific advice
We understand the complexities that different professions can cause when applying for a mortgage. Whether you’re a teacher working rigid hours, a police offer protecting our community, or an NHS professional working long shifts, we understand your priorities and offer flexible processes that are tailored to your needs and align with your schedule.
Community driven
When you work with The Mortgage Hut, you help us support local communities and charities. We reinvest part of our profits back into meaningful community and charity projects, even offering paid leave to staff who want to lend a hand. Some of the great causes we’ve supported include:
Pension4Paws – caring for retired police dogs needing medical support.
Hampshire Police FC – backing a local football team made up of dedicated officers.
Macmillan Cancer Support – supporting the fight against cancer.
Southampton Girls FC – empowering young female footballers in our local community.
Abode Project – funding a classroom for children who previously had no access to education
Contact The Mortgage Hut
Big banks might feel familiar, but familiarity doesn’t guarantee you the best outcome. With The Mortgage Hut, you get choice and personalised service, and the knowledge that no stone is left unturned when scouring the market for the best deal for you. Getting started is easy – just reach out for a friendly, no obligation chat with one of our experts.