Fee-free mortgage adviceClear mortgage guidanceFully independent900+ clients helpedAccess to 100+ lendersSpeak before you applyOnline, phone or face-to-faceResidential and buy-to-let adviceFee-free mortgage adviceClear mortgage guidanceFully independent

Mortgage advice hub

Whatever stage you’re at, we’ll help you find the right mortgage.

£0 Free, whole-of-market advice — zero broker fees, no obligation.

Free, whole-of-market mortgage advice from The Mortgage Hive. Whether you’re buying, moving, reviewing a deal or dealing with a more complex situation, we’ll help you compare suitable options subject to lender criteria.

£0Broker fee for standard advice
100+Lenders compared
12Specialist routes covered
FreeNo-obligation review
Book a free mortgage review See mortgage services
No Advice Fee

We do not charge an advice fee for mortgage advice.

Lender Access

100+ lenders. We compare options from a wide range of mainstream and specialist lenders.

FCA Authorised

The Mortgage Hive Ltd is authorised and regulated by the Financial Conduct Authority.

Flexible Support

Online, phone or face to face. Clear advice in the way that suits your circumstances.

Local and UK-Wide

Bournemouth based. Supporting clients across Dorset and across the UK.

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Who we help

If your situation feels tricky, you’re in the right place.

Many homeowners assume their circumstances are too complicated for a mortgage. Often there’s still a route — it just takes the right lender.

✓Self-employedSole traders, contractors and company directors with varied income evidence.
✓Bad credit historyCCJs, defaults or missed payments may still leave options available.
✓Unusual propertyNon-standard construction, listed buildings or above commercial premises.
✓Large loan requirementsHigher-value borrowing needs specialist lender criteria and packaging.

Our services

Mortgage advice built around your next move.

Whether you are buying, moving, remortgaging, investing or protecting your family, we help you understand your options clearly.

1

First time buyer

Understand deposits, affordability, mortgage in principle options and what documents lenders may need.

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2

Remortgage

Review your current mortgage, compare new options and plan ahead before your existing deal ends.

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3

Moving home

Check what you could borrow, understand costs and make your next move with more confidence.

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4

Buy to let

Support for new landlords, portfolio landlords, limited company borrowing and buy-to-let remortgages.

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5

Equity release

Specialist later-life lending advice with the risks, alternatives and long-term impact explained clearly.

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6

Protection

Life insurance, critical illness cover and income protection to help protect your home and family.

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Not sure which service you need? Ask us
Homeowner comparing mortgage options

Why this matters

One size doesn’t fit every mortgage.

No two circumstances are the same, so the right lender and product for one homeowner may not be right for another. Good advice starts with understanding your situation, not fitting you into a single product.

Start with clarity

Tell us what you’re trying to do and we’ll point you towards the advice, lenders and next steps that are most likely to fit.

  • Are you buying, moving, remortgaging or dealing with something more complex?
  • Do you know which lenders are likely to say yes based on your circumstances?
  • Has your situation changed since you last reviewed your mortgage?

Quick calculator

Get a quick mortgage estimate.

This is a quick guide only, not a mortgage offer or personal advice. Speak to an adviser so affordability, fees and lender criteria can be checked properly.

Estimated monthly payment £1,304 Figures are estimates only and do not include fees, insurance or lender affordability checks.

A rough guide to what you might be able to borrow, based on a common income multiple. Actual lending depends on full affordability checks, commitments and lender criteria.

Estimated max borrowing £157,500
Estimated purchase price with deposit £182,500
Based on a 4.5× income multiple. Does not include affordability or credit checks.

These are rough estimates only and do not constitute a mortgage offer or financial advice. Speak to an adviser for a full affordability assessment.

Specialist mortgage situations

If your situation is more complex, we can help.

These are specialist mortgage situations where the right lender choice matters most. Each page explains the main considerations and how The Mortgage Hive may be able to help.

Credit issues

Adverse credit

Specialist advice if CCJs, defaults or missed payments affect your options.

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Complex income

Company directors

Mortgage advice for limited company directors with dividend and salary income.

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Self employed

Self employed mortgages

Sole traders, freelancers and company directors with variable income.

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Contract work

Contractor mortgages

Day rate and fixed-term contractors, including IT and professional contractors.

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Self employed

Newly self employed

Options if you have less than two years of self-employed accounts.

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Construction

CIS mortgages

Construction Industry Scheme workers using gross pay for affordability.

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Flexible work

Freelancer mortgages

Mortgage advice for freelancers with variable or project-based income.

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Debt issues

IVA mortgages

Options if you have a current or recently satisfied Individual Voluntary Arrangement.

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Debt issues

Debt management plan mortgages

Advice if you are in or have completed a debt management plan.

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Credit issues

Default mortgages

Specialist lender options if you have one or more satisfied or unsatisfied defaults.

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Income type

Complex income mortgages

Advice for non-standard income including bonuses, commission, rental and overseas income.

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Credit issues

CCJ mortgages

Options available if you have a County Court Judgement on your credit file.

Read more

Decision in principle

Know what you can borrow before you view.

A decision in principle (sometimes called an agreement in principle) gives you an early indication of how much a lender may lend, based on a soft credit check. It’s not a mortgage offer, but it helps you shop with confidence.

  • Usually takes minutes to arrange, with no impact on your credit score
  • Shows estate agents and sellers that you’re a serious buyer
  • Gives a realistic borrowing figure before you fall in love with a property
Learn about decisions in principle
Homeowner reviewing a mortgage decision in principle document

Fee-free mortgage advice

Don’t get stung, let The Mortgage Hive save you money.

  • Free advice, nothing to lose
  • Open, honest, straight-talking guidance
  • Great friendly customer service
  • Online, over the phone, or face to face
  • Residential mortgages
  • Buy-to-let mortgage advice
  • Equity release advice
Save money today call 01202 084 064 Start online
Fee-free mortgage advice£0 advice fee
£0Broker fee.

Speak to a mortgage broker before you apply.

Clear, friendly guidance with no pressure and no guesswork.

OnlinePhoneFace to face

How our advice works

Simple, advice-led and based on your circumstances.

The aim isn’t to push you towards one lender. It’s to understand your position clearly and help you decide what’s suitable.

01
Tell us your situationWe ask about your income, circumstances, timescale and goals.
02
We compare the marketWe check your position against 100+ lenders to see who fits.
03
We explain the optionsSuitable routes in plain English, including costs and trade-offs.
04
We support your applicationHelp with the application through to completion.

Broker vs bank

Why speak to a broker instead of going direct?

A bank can only offer you its own products. A broker compares the wider market on your behalf.

The Mortgage HiveGoing direct to a bank
Lender access100+ lenders comparedOnly that bank’s own products
Advice feeNo advice fee for standard adviceVaries, no advice comparison offered
Specialist situationsSelf-employed, adverse credit and moreMay decline outside standard criteria
Application supportGuided through to completionOften self-service
Compare your options

Lender access

Access to over 100 lenders.

We can help you explore options from a wide range of mainstream and specialist lenders, giving you a clearer view of what may be possible based on your circumstances.

Speak to The Mortgage Hive
Whole-market access100+Lenders available
MainstreamSpecialistProtection
HalifaxNationwideSantanderBarclaysHSBCNatWestAccordSkiptonSpecialist lendersHalifaxNationwide

Our reviews

Trust should be easy to verify.

Read what clients say about The Mortgage Hive on Google, then speak to us before you decide what to do next.

Clear adviceClients can see that advice is explained clearly.
Helpful supportSupport from first chat through to completion.
Trusted brokerReview proof helps build confidence before enquiry.
View our reviewsContact The Mortgage Hive

Mortgage FAQs

Questions people ask before getting advice.

What type of mortgage advice do I need?

It depends on what you’re trying to do. Use the services above as a starting point, or get in touch and we’ll point you towards the right advice even if your situation is a mix of a few of them.

Is mortgage advice from The Mortgage Hive free?

Yes, The Mortgage Hive doesn’t charge a broker fee for standard mortgage advice. Other costs may still apply during the process, such as lender, valuation or solicitor fees.

Will checking my mortgage options affect my credit score?

Submitting an initial enquiry to The Mortgage Hive should not affect your credit score. A full lender credit search may be needed later depending on the route, but that will be explained before it happens.

Do you only cover certain lenders?

No. We compare options across more than 100 lenders, rather than only offering products from one provider, so we can look at what’s actually likely to suit your circumstances.

What if my situation doesn’t fit any of the categories above?

Many circumstances are a combination of a few of these, or don’t fit neatly into one category. Get in touch and we’ll help you work out the right starting point.

How quickly can I speak to an adviser?

We aim to respond to enquiries quickly, usually within one working day. Timescales can vary depending on demand and how complex your situation is.

Final checkpoint

Ready to find the right mortgage route?

Start with a conversation. We will help you understand your options, compare suitable lender routes and decide what to do next.