The mortgage and bondSpecialist is an FCA-regulated mortgage broker based in Wirral, CH47 9RE, specialising in Residential.
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Regulatory Status
Direct Authorisation
FCA Number
306038Practical guides and explainers from our blog — relevant to this mortgage type.

Compare fixed and variable rate mortgages side by side. Understand the pros and cons of each, how the Bank of England base rate affects your payments, and which suits your situation.

What credit score do you need for a UK mortgage? This guide covers the minimum scores lenders look for, how to check your score, and practical steps to improve it before applying.

Interest-only mortgages are harder to get but still available. This guide explains current criteria, which lenders offer them, repayment strategies, and alternatives if you don t qualify.

Despite a slight dip in UK house prices in September, the market shows a 1.3% increase over the past year. This growth suggests resilience amidst economic uncertainties, with implications for buyers and homeowners alike. A deeper understanding of these trends can help stakeholders make informed property finance decisions.

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Mortgage118 is an independent broker directory — not a mortgage broker or lender — and does not provide mortgage advice. All brokers listed hold their own individual FCA authorisation; always verify a broker's status on the FCA Register. Important: Your home may be repossessed if you do not keep up repayments on your mortgage, and you should think carefully before securing other debts against your home. Mortgage118 does not charge consumers. If you have a complaint about a mortgage broker, contact the Financial Ombudsman Service. Mortgage brokers are not covered by the Financial Services Compensation Scheme (FSCS) for mortgage advice — check with your broker directly about their professional indemnity insurance. Mattison Elm Ltd trading as Mortgage118 — Company No. 09831228 — Registered at 7 Bell Yard, London WC2A 2JR.
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