Whole Of Market Mortgage Broker – Mortgage Advice From Mortgage One

Whole Of Market Mortgage Broker – Mortgage Advice From Mortgage One

At Mortgage One, we provide whole of market mortgage advice for clients across the UK and we are not tied to any single lender. Instead, we offer access to a broad range of mortgage products from across the entire intermediary-accessible market – including high street banks, building societies, and specialist lenders.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Whether you are buying your first home, remortgaging, investing in buy-to-let, or exploring more complex mortgage scenarios, our whole of market approach ensures you receive advice that is appropriate, tailored, and focused on your individual goals.

What Does Whole Of Market Actually Mean?

A whole of market broker is able to consider products from all mortgage lenders who make their products available to advisers and intermediaries. This contrasts with brokers who are restricted to a specific panel or limited group of lenders.

Being whole of market means that our advice is based on a wide view of mortgage options, not restricted by exclusive arrangements or tied-agency relationships.

Important note: Some lenders choose to offer products only through direct channels and do not make these available to brokers. We always consider all lenders who offer intermediary access, ensuring our recommendations are broad, informed, and client-focused.

Benefits Of Using A Whole Of Market Broker Like Mortgage One

Access to a Broad Range of Lenders
We explore mortgage solutions from across the intermediary-accessible market, including both mainstream and specialist options.

Professional Advice
We do not work for any bank or building society. Our role is to act solely on your behalf, offering advice that reflects your personal situation and financial objectives.

Broker-Only Products
Many lenders offer mortgage deals that are only available through qualified professionals. These are not accessible via direct applications or comparison websites.

Tailored Support for Complex Scenarios
If you are self-employed, have irregular income, own multiple properties, or have credit history challenges, our access to specialist lenders may open up solutions others overlook.

Regulated and Responsible Advice
Our services are subject to the full regulatory framework governing mortgage advice and conduct. We are committed to providing clear, transparent, and suitable recommendations at every step.

Who Might Benefit From Whole Of Market Advice?

You may benefit from our services if you fall into any of the following categories:

• First-time buyers looking to understand their options with expert guidance

• Self-employed applicants or those with complex income structures, such as company directors or contractors

• Buy-to-let investors seeking advice on personal or limited company mortgages, including portfolio finance

• Homeowners reviewing their mortgage at the end of a fixed term, or considering remortgage options

• Clients with credit issues, unusual properties, or lower deposits needing a more tailored solution

• Borrowers seeking interest-only, offset, or part-and-part repayment options

Some buy to let mortgages are not regulated by the Financial Conduct Authority

Why Choose Mortgage One?

Mortgage One is a UK-based mortgage broker offering whole of market advice, with services built around transparency, diligence, and client care.

Financial Conduct Authority Regulated Services
Our advice is governed by the rules and principles outlined by the financial regulator for mortgage services in the UK.

Client-Focused
We are not affiliated with any lender, insurance firm, or financial product provider. Our advice is shaped entirely by your needs.

Property Investment Knowledge
We apply real-world investment experience to support our clients, particularly in the buy-to-let and specialist lending space.

Clear Fee Disclosure
We will always explain any broker fees and provide full illustrations of any recommended mortgage before you commit to an application.

Clarity, Compliance, And Suitability At The Core Of Our Service

We take our regulatory responsibilities seriously. Every recommendation is based on a detailed fact-find, affordability assessment, and lender criteria match. We do not offer generic or templated advice.

We also never offer guidance on areas that require specialist knowledge, such as legal, tax, or investment advice. If you need support in these areas, we will refer you to a qualified solicitor or accountant.

Our Process: What To Expect

Step 1 – Initial Consultation
A free, no-obligation conversation to understand your circumstances and discuss how we can help.

Step 2 – Market Research
We explore the full intermediary-accessible mortgage market based on your financial profile and property goals.

Step 3 – Advice And Recommendations
You’ll receive a tailored mortgage recommendation, including product details, rates, fees, and a full affordability breakdown.

Step 4 – Application And Support
We handle the application, liaise with the lender, and provide updates through to formal offer and completion.

Ready To Explore Your Mortgage Options?

If you’d like to discuss your mortgage goals with a regulated whole of market adviser, Mortgage One offers clear, guidance based on your personal circumstances. We provide expert support for clients throughout the UK, whether you're arranging your first mortgage, remortgaging, or planning your next property investment.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Our advice is tailored, transparent, and built around your individual needs — with access to a wide range of mortgage lenders across the intermediary market. Start your mortgage journey with confidence, backed by experience and expertise you can trust.