Independent Mortgage Brokerage

Mortgage Search

The importance of the right mortgage can not be overestimated

First Time Buyer Mortgage

The average age of a first time buyer in the UK is now 36 years old. We advise Employed, Self-Employed and Business Owners how to obtain their first mortgage and help them with their mortgage search.

Why First time Buyers choose “My Mortgage Service”
  • We calculate exactly how much you can borrow
  • We will review of your credit file and give advice before approaching a lender
  • Agreements in Principle can be issued prior to you making an offer
  • We will update the estate agent as the application proceeds to completion

We are now arranging First Time Buyer mortgage rates from as low as 1.09%!


It doesn’t matter if you are switching lenders for a better product or staying with your current provider – we will advise you on the right mortgage choice.

Why choose “My Mortgage Service” to arrange your Re-Mortgage?
  • We have access to every High Street lender and many others
  • We work with friendly, regional Building Societies
  • We offer free valuations fees with the majority of re-mortgage products
  • We offer free legal fees with the majority of re-mortgage products

We are now arranging Remortgage rates from as low as 1.09%!

Buy To Let Mortgages

First Time Landlords and Professional Portfolio Owners are experiencing a resurgence in B2L mortgage availability. We are experts in this market, whether it is a new purchase or deposit release.

Why choose “My Mortgage Service” for Buy To Let Mortgages?
  • Up to 85% of the property value
  • No minimum income required with some lenders
  • No requirement to be a home owner for first time landlords
  • Maximum age 75 at point of application
  • No maximum age when mortgage is redeemed
  • HMOs and student lets
  • Limited Company Mortgages available
  • Blocks of flats and multi-unit freehold blocks

We are now arranging Buy To Let mortgage rates from as low as 1.95%!

Interest Only Mortgages

Interest only mortgages are still available with a number of lenders you will know and trust, subject to some straight-forward lending criteria.

Why choose “My Mortgage Service” for Interest Only Mortgages?
  • Interest only available up to 50% loan to value
  • You do not need to have endowment policy or savings plan
  • Sale of the property is an acceptable repayment vehicle
  • Downsizing is an acceptable repayment vehicle
  • You won’t pay a higher rate of interest on some schemes
  • Free valuation on some schemes
  • Free legals on some schemes
  • You can make overpayments on some schemes

We are now arranging Interest Only mortgage rates from as low as 1.35%!

Mortgage Search
Service Type
Mortgage Search
Provider Name
My Mortgage Service ,
South West England including Bristol, Bath, Gloucester and Exeter
My Mortgage Service is an introducer to Kevin Spear, a registered individual with Access Financial Services. He is based in South West England. Kevin and his team proudly supply face-to-face mortgage advice and other services to Bristol, Bath, Gloucester and Exeter and surrounding areas and specialise in 4 hour Agreement In Principles.