Services
Buying a home is a huge personal milestone.
That’s why we take a holistic view of your finances before offering advice, making sure every recommendation fits your goals and lifestyle.
Whether you’re stepping onto the first rung of the property ladder or building a buy-to-let portfolio, our advisers are with you from the first query to the final signature.
We make the process smooth and stress-free, co-ordinating with accountants, solicitors and other professionals so that you can enjoy your new home without the hassle.
A first-time buyer is anyone looking to buy their first home to be used as their primary residence. It can be difficult for first-time buyers to get onto the property ladder, however the right expertise and preparation in advance can be instrumental in obtaining a competitive mortgage offer.
We simplify first-time buyer mortgages by guiding you through every step, from deposit requirements to lender options. No jargon, no stress, just clear advice and guidance.
Preparing to move house? Whether you’re upsizing, downsizing or relocating, we advise on adjusting your current mortgage or securing a new one that fits your next chapter.
We’ll guide you through the financial requirements of moving, explain your options, handle the paperwork and make sure everything aligns with your timeline and goals.
From finding the right lender to structuring staggered payments, we ensure that your mortgage is tailored, efficient and stress-free.
We supported Antony to finance the build of his dream family home, even when the final cost was undetermined.
Getting a mortgage when you’re self-employed can feel complicated but it doesn’t have to be. We specialise in self-employed mortgages, helping clients with variable income, dividends or complex accounts secure the right deal. We know how to present your finances clearly to lenders and underwriters, helping to maximise your chance of approval.
Whether you’re buying your first rental property or expanding your portfolio, we make buy-to-let mortgages straightforward. We’ll help you understand the rules, tax implications and lender criteria, so you can invest with confidence.
We guide you from start to finish – take a look at Nadine’s journey with us.
Looking to buy a getaway spot or a short-term rental? We advise on holiday home mortgages in your dream location, whether it’s a second home for personal use or a property you’ll rent out. We’ll help you understand the criteria and find the right lender.
We supported Nadine’s with her holiday let mortgage.
We compare mortgage rates across the market to find the best fit for your budget and goals. Whether you’re looking for fixed, tracker or offset options, we’ll help you evaluate your options and lock in a competitive deal.
We make remortgaging simple. We’ll assess your options, compare rates and handle the switch to save you the hassle. Timing is crucial to ensure maximum benefit, so we contact and prepare you six months before your mortgage renewal.
We were able to improve Ray’s standard of living by compiling personal debts into his remortgage rate, providing piece of mind and security in his monthly budgets.
Buying a second property? We arrange second home mortgages for clients looking to invest, relocate or support moving family. We’ll guide you through the affordability checks, lender requirements and how the mortgage fits alongside your existing financial commitments.
Fill out the form and we’ll be in touch to talk through what you can afford.
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We have trusted relationships with experts across the financial sectors listed below, as well as IFAs, accountants, solicitors and will writers.
Wills are not usually regulated by the Financial Conduct Authority. Wills are arranged by introduction only.
Contact us to talk through your aims and we will find the most suitable specialist for you.
We offer an initial free consultation to determine if we can assist you. Upon instruction, our standard fee payable is £250 followed by a further £245 once the mortgage offer has been issued. All fees once paid are non-refundable.
We will assist you in obtaining the most suitable mortgage available to you. We will handle the mortgage application, assist with legal paperwork and provide full guidance throughout the whole process.
To ensure continuation of our service, we will contact you to review your mortgage well in advance of deals ending, to ensure that you remain on the most competitive mortgage for your current needs.
A decision in principle or mortgage in principle sets out what a lender might lend you; it is not a formal mortgage offer. Use this as a guide to help you search for a house within your budget.
Loan to value or LTV is the size of the mortgage in relation to the property value, usually written as a percentage. For example, if a mortgage is offered at 85% LTV, your deposit needs to be 15% of the property’s value. Often, a low LTV means a lower mortgage interest rate.
Yes! You can download our free guide to remortgaging, guide to self-employed mortgages, guide to mortgages or mortgage jargon buster via our downloadables.
Fantastic service!
Laura at Thickbroom/Mutatio Mortgages was incredibly supportive throughout the whole mortgage process. Questions were answered incredibly quickly, in detail, and I felt guided and supported throughout the whole process as a first time buyer - I would highly recommend!
Meera Patel
Home insurance
What a nice Guy Steve is. He was more than helpful. I fully recommend him. He sorted my home insurance out in a matter of hours. Also it was a very competitive price. I will be using him for future business. Thank you.
Michael Davis
Phenomenal service and help getting a mortgage
Laura was absolutely fantastic helping me navigate the complex and scary world of mortgages. She broke down the process, no question ever considered silly. Extremely thankful for her input as I sit here now in my new home. I will definitely be using her again and recommending them to friends and family. Thank you so much
James Spicer
Having not had a mortgage for many…
Having not had a mortgage for many years and not knowing what to do first Steve and his team guided me all the way. No question was a silly question and wasn’t the easiest of clients to get a mortgage for due to age and other circumstances but wow they managed it They have also helped other family members get on to the property ladder and I cannot recommend them enough A massive thank you for all you have done and now have my dream cottage Thank you Lisa x
Lisa Webb
Fantastic team and service
Steve and Laura were absolutely fantastic with helping us navigate the complex and scary world of mortgages. They helped break down the process and guide us, no question every considered silly. They were extremely responsive and gave a wide range of options to suit our current needs and lifestyle. Extremely thankful for their input as we sit here now in our new home. We will definitely be using them again and recommending them to friends and family. Thank you so much
Ecolover
Laura is brilliant
Laura is brilliant. This was my first experience arranging buy-to-let mortgages, so I was definitely a beginner and came in with very little knowledge of the process. From initial conversation through to mortgage offers, she made the process really clear and answered all my questions. I definitely recommend her. Thanks Laura!
Nadine Sharkey
Excellent personalised service recieved
The team were excellent and the service received felt personalised to us. They listened to what we wanted and delivered what we asked for. Throughout the process we were kept update and I would be happy to use Mutatio again.
Beatrice
As a first time buyer, the mortgage process was daunting. I put my full trust in Laura, who made the process simple and painless. I never doubted that they would find the perfect solution for me.
John
Thickbroom Mortgages deserve every bit of the full 5 stars. Buying a house is supposed to be one of the most stressful things you'll do, but not in this case. Laura was extremely helpful in sorting me out with a mortgage. Right from the beginning I was thoroughly supported. She was always a step ahead (if not several) and answered every query I had very promptly indeed. It's quite rare to come away knowing you made the absolute right decision in using a company, but I have done, and will be recommending Laura and Thickbroom Mortgages to anyone who is seeking mortgage advice. If your experience is even half as good as mine has been, you'll be very pleased. Thank you again Laura!
Matthew
Supporting you through one of the largest financial transactions you will ever make is what drives us. Whether you’re buying your first home, investing in buy-to-let, navigating self-employment and complex incomes or exploring second home options, we guide you through the process from start to finish. Our partnerships are based on trust – our dedicated, caring and honest experts are only a phone call away. We believe that everyone deserves to have access to quality mortgage advice and protection. Therefore, we work with a wide range of lenders to ensure that we can advise on the most competitive rates and flexible mortgage options.
Can’t find what you’re looking for?
A mortgage adviser or broker finds and arranges the most suitable mortgage for your needs, comparing deals across lenders and managing the application process for you. They communicate with lenders, solicitors and accountants, providing advice on your options, putting time and control back in your hands.
If you’re short on time, have a complex income or want access to a wider range of deals, an adviser can save you time and stress.
We work with lenders who consider applicants with poor credit histories. We’ll assess your situation and guide you through your options.
We offer an initial free consultation to determine if we can assist you. Upon instruction, our standard fee payable is £250 followed by a further £245 once the mortgage offer has been issued. However, depending on your circumstances and the work required, this may change – we will clearly state the fee before commencing work.
It varies, but we aim to move quickly. Once we understand your needs, we handle the paperwork and keep things moving to help you achieve your goals.
Absolutely! Whether you’re a first-time landlord or expanding your portfolio, we can help you find the right deal and give you tailored advice. Take a look at Nadine’s story to learn more.
Yes! We can help you finance second homes, UK holiday lets or properties abroad, depending on your goals. Click here to read about Nadine’s experience with us.
Typically, ID, proof of income, a credit report, bank statements and details of any debts or financial commitments. We’ll give you a full checklist.
Yes! Whether your current deal is ending or you want to release equity, we’ll help you find a better fit. We helped Antony refinance his home – click here to read his story.
It includes life insurance, family income benefits, critical illness cover and income protection, all designed to support you and your family if something unexpected happens.
Business protection covers key people, shareholders and loan repayments. It helps keep your business running if someone vital becomes seriously ill or passes away.
If you have a mortgage, dependents or a business, protection gives you financial security and peace of mind if life doesn’t go to plan.
Yes! We work with insurers who consider a wide range of health backgrounds. We’ll help you find the most suitable option.
That depends on your income, debts and family or business responsibilities. We’ll help you calculate the right level of protection.
It can be more affordable than you think! We’ll tailor the cover to your budget and priorities.
Life insurance pays out if you pass away; income protection pays a monthly benefit if you can’t work due to illness or injury.
Yes! We often arrange both together to make sure your home and income are fully protected.
Some policies can be arranged in a day. Others may take longer if medical checks are needed. We’ll keep on top of the admin and communications for you.
We offer ongoing support to make sure your protection still fits your needs as life changes.
