First Time Buyer
Get onto the property ladder and start saving with a mortgage built around you.
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Est. 1999 · Cardiff & UK-wide
Welcome to Mortgage ID
Professional mortgage and insurance advice from a team you can trust — helping people buy, remortgage and protect their homes since 1999. Free advice, seven days a week.
About Mortgage ID
Mortgage ID are a professional Mortgage and Insurance broker established in 1999, with highly trained professional advisers serving clients throughout the UK. We specialise in arranging mortgages for first time buyers, next time buyers and for property investors seeking funding, and we have high‑level contacts within the vast majority of UK lending institutions, representing a whole‑of‑market proposition.
We can be relied upon to place the business others won’t attempt or can’t address. Our insurance division offers completely impartial advice on all personal, family and business needs. Whatever your mortgage or insurance question, we have the answer — our advice is free, and we are contactable seven days a week.
Talk to our friendly, experienced advisers
We’re here for you with free advice on buying, remortgaging and protecting your home. Here’s what we can do for you.
Moving On
Free advice on the very best deals available for your next home.
Find out more →Remortgaging
Get a better deal with our expert, whole‑of‑market help.
Find out more →Buy to Let
Find the lowest‑cost mortgage for your next property investment.
Find out more →Commercial Mortgages
Arrange finance to buy commercial property and fund business expansion.
Find out more →Equity Release
Release equity from your home for a more comfortable retirement.
Find out more →Conveyancing
Get a competitive quote for legal fees from the UK’s best providers.
Find out more →Insurance
Protect everything that matters — home, family, income and business.
Find out more →How much can I borrow?
Live, up‑to‑date rates from the whole of the market — or let one of our experienced advisers work it out for you.
Speak to an adviserThis table is based on a property value of £200,000 and a mortgage secured against that property of £150,000, calculated on a capital and interest basis (repayment mortgage) over 25 years. Source: Mortgage Brain. Rates and fees shown are indicative and may change — contact us for a personalised, whole‑of‑market recommendation.
What our clients say
We pride ourselves on excellent customer service, and we love it when our clients tell us we’ve done a great job for them.
“Running a cleaning company can be a tough business, ensuring the staff remain motivated and feel appreciated when the nature of the business means you’re not always around them can be even tougher. It was our intention to put in place a very attractive package for our staff so they would know how highly we valued them. Mortgage ID utilising their vast experience in the insurance markets were able to help with this providing individual policies for our staff and their families.”
— Russell Davies
Best Option Guarantee
Mortgage ID guarantees that any product we recommend will be the best option available to us on the day we research the market for you. Our recommendation will be based on the information you supplied, which we will assume to be accurate, complete and verifiable. If your circumstances change after we have presented our recommendation you must tell us, as our recommendation may need to change. Should a better product become available from the recommended lender or insurer before a mortgage offer or insurer’s terms are issued, we will inform you of this and outline the cost and time involved in moving to it — the decision to move to a new product will always be yours.