My Mortgage Brokers
Chester
Mortgage advice covering self-employed, later life / equity release, buy-to-let and 1 more. My Mortgage Brokers has not recorded a fee structure.
Main contact
About My Mortgage Brokers
My Mortgage Brokers is a UK mortgage broker based in Chester. Its website describes mortgage advice for residential mortgages, buy-to-let, self-employed borrowers, later life lending. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
My Mortgage Brokers records 4 areas of advice from its base in Chester: self-employed, later life / equity release, buy-to-let and residential.
Advising on both mainstream residential and later-life lending means the firm can compare a retirement interest-only mortgage against equity release rather than defaulting to one of them.
Self-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 guideLater Life / Equity Release
Later-life lending and equity release are separately regulated and have long-term consequences: interest can roll up against the value of your home, and it changes what is left in your estate. Advisers need a specific qualification to recommend it.
Read the later life / equity release guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. With self-employed lending also covered, business-owner landlords should find both halves of the case understood.
Read the buy-to-let 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. Sitting next to later-life lending, it means the same firm can weigh a standard remortgage against a retirement product.
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. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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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 My Mortgage Brokers
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?
- 3How 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?
- 4What qualification does the adviser hold for equity release, and how would rolled-up interest affect what I can leave to my family?
- 5How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 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 Chester office, or is this handled by phone and video?
Getting in touch with My Mortgage Brokers
My Mortgage Brokers lists a phone number alongside its own website, so you can either call or start with an online enquiry.
- 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
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Frequently asked questions
What does My Mortgage Brokers charge for mortgage advice?
Not recorded on this listing — ask My Mortgage Brokers directly, as it must tell you before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does My Mortgage Brokers handle?
My Mortgage Brokers records self-employed, later life / equity release, buy-to-let and residential, working from Chester. Ask anyway if your case sits outside that list.
Does My Mortgage Brokers work with self-employed borrowers?
Yes — self-employed lending is one of the areas My Mortgage Brokers lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does My Mortgage Brokers only cover Chester?
My Mortgage Brokers is listed in Chester, 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 Chester 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.