Mortgage Base
Sheffield
Mortgage advice covering bad / adverse credit, self-employed, first-time buyers and 1 more. Mortgage Base has not recorded a fee structure.
Main contact
About Mortgage Base
Mortgage Base is a UK mortgage broker based in Sheffield. Its website describes mortgage advice for residential mortgages, first-time buyers, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Mortgage Base records 4 areas of advice from its base in Sheffield: bad / adverse credit, self-employed, first-time buyers and residential.
Covering both adverse credit and self-employed lending is the harder end of the market — those two together are exactly the cases high-street lenders turn away, and they need a broker who knows the specialist panel.
Bad / Adverse Credit
Adverse credit work means the firm places cases that high-street lenders decline — defaults, missed payments, CCJs, IVAs and discharged bankruptcies. Lenders in this space price by how recent and how severe the event was, so the date on your credit file matters more than the amount.
Read the bad / adverse credit guideSelf-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Adverse credit is also covered, which is the usual sticking point on a first application.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Here that runs alongside adverse-credit work, so it covers people a high-street lender has already turned down.
Read the residential guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Adverse-credit cases take considerably more work, and some firms charge for them even when standard cases are free.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
Verify before you share anything.
We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Mortgage Base
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3Given what is on my credit file and when it happened, which lenders would consider me, and roughly how much more will that cost than a high-street rate?
- 4How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 5What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 6Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 7Do you see clients at your Sheffield office, or is this handled by phone and video?
Getting in touch with Mortgage Base
Mortgage Base lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
Reviews
No reviews for Mortgage Base yet.
Have you used Mortgage Base?
What you needed. How it went. What it cost.
Frequently asked questions
What does Mortgage Base charge for mortgage advice?
Not recorded on this listing — ask Mortgage Base directly, as it must tell you before you commit. Adverse-credit cases take considerably more work, and some firms charge for them even when standard cases are free.
What types of mortgage does Mortgage Base handle?
Mortgage Base records bad / adverse credit, self-employed, first-time buyers and residential, working from Sheffield. Ask anyway if your case sits outside that list.
Can Mortgage Base help if I have bad credit?
Mortgage Base lists adverse credit as an area it covers, which means it places cases involving defaults, missed payments, CCJs or an IVA. Bring the dates and amounts from your credit file to the first conversation — specialist lenders price on how recent the event was, so an adviser cannot give you a realistic answer without them.
Does Mortgage Base only cover Sheffield?
Mortgage Base is listed in Sheffield, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Sheffield on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.