Mortgages by Umair is the hassle-free way to get a mortgage. I help first-time buyers, existing homeowners and investors save time and money when securing a mortgage. Gone are the days of complex, outdated mortgage application processes.

At Mortgages by Umair, I embrace a modern, online approach to make your experience seamless and stress-free. From cutting out unnecessary paperwork to reducing waiting times, I streamline every step of the process to get you approved faster.

A mortgage broker is a professional who helps you find the best mortgage deal by comparing lenders, managing paperwork, and guiding you through your mortgage. They save you time, provide expert advice, and navigate complex requirements. A broker can simplify the process and help secure better rates than going directly to lenders.

Advice and Guidance: A mortgage broker knows the mortgage products available, the different lenders and each of their unique criteria. They’re valuable in recommending the right product and helping you make an informed decision.

More Mortgage Products: Because brokers have access to lots of different mortgage products and deals, they’ll save you time and effort in researching which lender or product to choose, including some you might not be aware of.

Managing Your Application: Your broker will help guide you through the paperwork and manage your application, streamlining the process and making sure your documents are submitted accurately and on time. Most importantly, they’ll advise you on how to improve your chances of being accepted.

Advice Tailored to You: They’ll also take into consideration your future goals when recommending a mortgage and will only recommend suitable products. They can also provide you with multiple options from lenders so you can more easily compare interest rates, terms, fees, and features.

Convenience: Instead of booking in-person appointments I'll be able to arrange everything safely and securely online. And when it's time to remortgage I’ll save you time and find you the best mortgage available for you on the market again.

I’m proud to operate as a whole of market broker, meaning I have access to a comprehensive range of lenders. This includes major high street banks and building societies such as Halifax, NatWest, HSBC, Barclays, and others you might recognise.

In addition to these well-known names, I also work with private lending institutions and specialist lenders for more unique or niche circumstances. These lenders are ideal for situations that may fall outside the scope of traditional mortgage providers.

If you apply directly with a bank, you can only apply for their available deals, whereas brokers can access a much larger market for you. So you might be missing out on a more suitable mortgage or product that you might not know about.

Sometimes lenders give preferential rates to brokers, rather than going direct. And some deals that initially look more expensive could work out cheaper, with no fees and cashback options.

I’ll also be able to help you secure cheaper products if they become available, which you might not be aware of or able to do directly. So get in touch and I’ll help you make the best decision when choosing your product.