Samuel Mortlock
28 Jan 2026Ross was extremely helpful with all of our concerns, prompt responses and professionalism throughout. Thank you for your help!
White Mortgage Advice Ltd is an FCA-regulated mortgage broker based in Tendring, CO12 3PD, specialising in Buy-to-Let, First Time Buyers, Residential. Rated 5/5 from 26 reviews.
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Meet our experienced team of mortgage professionals
Samuel Mortlock
28 Jan 2026Ross was extremely helpful with all of our concerns, prompt responses and professionalism throughout. Thank you for your help!
Justine Bowtell Per
3 Oct 2025I was signposted to White Mortgages after my offer was accepted on my house. Steve was informative, knowledgable and made finding a mortgage that suited me and what I needed so easy. I wasn’t going to individual lenders, filling in the same forms and seeking what I thought might be the best offer for me, as I had it there in black and white from Steve. I did put Steve through it too, several houses later, I am now finally moving into my house, knowing I have the right mortgage for me, knowing that when my rate comes to an end, I will be able to go back to White Mortgages to seek the best deal again. I cannot recommend White Mortgages enough, use them, you will not retreat doing so.
becky thorpe
29 Apr 2025A friend recommended White Mortgage Advice to me , being a first time buyer and not knowing much at all I was super nervous to get the ball rolling. I had my initial phone call with Steve who immediately made me feel at ease as he was super easy to talk to. We made an appointment to discuss my needs and options. Being a first time buyer I didn't have much of an idea about the process, but Steve was excellent in explaining all of the options available to me. Once the ball was rolling the process was made super easy by Steve and Charlotte, who guided me through every step. Nothing was too much trouble. The advice and guidance with the insurance policies I needed was also fantastic as being a first time buyer, this was also something I didn't have much knowledge on. I would recommend anyone looking for mortgage advice to give White Mortgage Advice a look. I'm super glad I took the recommendation from my friend. And if your a first time buyer like myself, definitely don't be afraid to give them a call :)
Joe Pinnock
29 Jan 2025I was recommended White Mortgage Advice via an Estate Agent. I met with Chris who went through a simple form to assess my circumstances and provided rates. I didn't feel a hard sell at all. Unfortunately the property fell through but when I found a new one, I didn't hesitate to use Chris again. I did try another broker at a second estate agent but they weren't able to match the rate Chris provided. Special mention also to Charlotte who supports Chris and was fantastic in chasing and updating as we progressed.
Lewis
8 Jul 2024A massive thank you to Chris and Charlotte. They were amazing in helping me secure a mortgage offer. I was initially given Chris’ contact details by a work colleague who was also supported by Chris and was very happy with the service she had received. Going to Chris, my situation was complicated but from day 1, Chris was confident that we will get a mortgage. Chris and Charlotte were excellent in supporting and guiding me throughout the mortgage application process. Each time I was so impressed with their quick responses, and their level of dedication to get me the best rate. They were knowledgeable, competent, efficient and approachable to answer any questions. They truly looked out for my best interests. I was anxious but they made the process smoother and made a very difficult task easier to accomplish. They supported me to deal with the difficult questions and requests from underwriters and lenders. They kept me in the loop throughout the whole process via regular emails, phone calls and text messages. Thank you, Chris and Charlotte, from the bottom of my heart. I would highly recommend to anyone looking to secure a mortgage. I will definitely use White Mortgage Advice Ltd again. They exceeded my expectations 😊.
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Direct Authorisation
FCA Number
927736Practical guides and explainers from our blog — relevant to this mortgage type.

The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.

UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.

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