A mortgage broker for Luton, who works the whole market
Montgomery Financial is a whole-of-market broker covering Luton and the wider Bedfordshire commuter belt, comparing deals from dozens of lenders rather than the one or two a bank branch might offer.
Call 01933 829 444Why speak to a mortgage adviser before you search for a property?
Luton sits on the Thameslink line into London and within easy reach of the airport, the M1 and the wider Bedfordshire commuter belt, which keeps demand strong. Speaking to a mortgage adviser early, before you're up against a deadline on an offer, means you know your budget and have a decision in principle ready — a real advantage when a seller is weighing up more than one buyer. Charles runs the business personally, so if you're looking for an independent mortgage broker rather than a call centre, you'll speak to the same person from first enquiry through to completion.
Mortgage services in Luton
Our mortgage services in Luton cover everything from a first purchase through to remortgaging, buy-to-let and protection, so wherever you're starting from there's a route through it. We search the whole of market mortgage landscape rather than a limited panel to find the best mortgage rates genuinely available to you, not just the first "best buy" table on a comparison site.
First-time buyers
Working out realistically what you can afford, and matching you with a deal that suits buying a new home.
Self-employed
Whether you're a limited company director, contractor or sole trader, we know which lenders take a sensible view of your income.
Remortgaging
Reviewing your options well before your current deal ends, rather than dropping onto a standard variable rate.
Buy-to-let
Comparing products on rental yield and lender criteria for landlords and portfolio investors alike.
Moving home
Managing the chain and timing your mortgage offer to line up with your sale completing.
Protection
Life insurance, critical illness cover and income protection arranged alongside the mortgage itself.
First-time buyer mortgages in Luton
Buying for the first time is a big step, and getting the application right matters, since a rejected application can make the next lender more cautious. We work out realistically what you can afford, explain what a lender will want to see, and match you with a deal that suits buying a new home rather than whichever one has the flashiest headline rate. If a smaller deposit or help from family is part of the picture, we'll talk you through the schemes that might apply, so you know your options before you view your first home.
Self-employed mortgage advice
Self-employed applicants are one of our specialisms, and it's an area where standard high-street applications often fall short. Affordability calculators are typically built around payslips, so if your income comes from a limited company, contracting or a sole trader business, that can turn a straightforward purchase into a frustrating back-and-forth. Working with a specialist mortgage broker who knows which lenders take a sensible view of self-employed income means you get expert mortgage advice built around how you're actually paid, not a generic decline.
Remortgaging in Luton
If your current deal is coming to an end, it's worth reviewing your options well before you drop onto a standard variable rate. Clients typically come to us about remortgaging to secure a new mortgage rate, shorten the term, release equity for home improvements, or consolidate other borrowing into one manageable repayment.
Deal ending in the next six months? That's the point to start comparing.
Call 01933 829 444Buy-to-let mortgages and moving home
A buy-to-let mortgage is assessed differently to a residential one, since lenders look closely at rental income and your wider investment portfolio. We support landlords with buy-to-let mortgages whether this is a first rental purchase or an addition to an existing portfolio, comparing products across the market on rental yield and criteria rather than headline rate alone. Moving home brings its own timing pressures, from managing a chain to lining up your mortgage offer before your sale completes, and we help home movers plan that process properly.
Protection and financial planning alongside your mortgage
A mortgage is usually the biggest financial commitment most people make, so arranging one is a natural point to think about financial protection too. Life insurance pays a tax-free lump sum to your family if you die during the policy term, so the mortgage and household bills aren't left as their problem to solve alone. Critical illness cover pays out on diagnosis of a specified serious illness, giving you breathing space to focus on recovery rather than the mortgage. Income protection replaces part of your income if you're unable to work due to illness or injury, and as a protection adviser as well as a mortgage broker, we can arrange life insurance policies and cover alongside the mortgage itself as part of wider financial planning, not as a separate afterthought weeks later.
How the mortgage process works
We start with a conversation about your income, deposit and what you're hoping to buy or remortgage, then shortlist lenders whose criteria genuinely fit before you apply. From there we manage the application process on your behalf, liaising with your estate agent and solicitor and keeping you updated at every stage, so nothing gets missed before completion. It's a comprehensive service from first enquiry through to the day you get the keys.
Mortgage broker Luton, questions answered
Is it worth using a mortgage broker in Luton?
For most buyers, yes — access to the whole market and help managing the case usually outweighs any fee, and it often turns up better mortgage deals than applying direct.
Can I get a 25-year mortgage at 55?
Potentially, depending on the lender and your plans for repaying it into retirement — worth checking across the market rather than assuming one bank's answer is final.
How do I find a good mortgage broker in Luton?
Look for mortgage advisers in Luton who are genuinely whole-of-market rather than tied to a limited panel, ask how they're paid, and check they're FCA regulated before you commit to anything.
What can a mortgage broker in Luton help with?
First-time buyer, self-employed, remortgage, buy-to-let and moving home cases, alongside protection cover such as life insurance and income protection to sit alongside the mortgage itself.
Is mortgage advice in Luton free?
An initial conversation is always free and comes with no obligation. Beyond that, costs vary by case, and in plenty of cases the advice costs nothing at all beyond the standard lender commission.
Talk to a mortgage broker in Luton
Montgomery Financial is authorised and regulated by the Financial Conduct Authority, and personally run by Charles, who deals with clients directly rather than passing you between call handlers — whether you're buying, remortgaging or looking at a buy-to-let across Luton and the wider Bedfordshire area.
Call 01933 829 444Your home may be repossessed if you do not keep up repayments on your mortgage. General information only, not a personal recommendation.