The Mortgage Pod
rated 5.0 stars based on 122 Reviews
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Google Rating
5.0
Based on 122 reviews
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Clear, simple and transparent mortgage advice you can trust

We Are The Mortgage Pod

Thanks for stopping by. The Mortgage Pod is a whole-of-market mortgage broker based on the South Coast, serving customers nationwide.

We are dedicated to making quality mortgage advice accessible to as many customers as possible. Our aim is to take the stress and hassle out of the process and find you the best mortgage or remortgage based on your individual circumstances. As a mortgage broker, our advice is impartial and only given with your best interests in mind.

Our friendly and relaxed team have a great deal of experience in dealing with all sorts of borrowers. Whether you’re looking to take out your first ever mortgage, moving home, remortgaging or purchasing your next buy-to-let, we’ll be by your side throughout your journey. 

Don’t hesitate to get in touch with us to make an enquiry, we’d love to chat.

First-time Buyer Mortgage Services

First-time buyer Mortgages

Buying your first place? So exciting! We will provide you with expert advice and guidance throughout your home buying journey to make it a little less daunting.
Remortgage Specialists in Portsmouth

Remortgage

Coming to the end of your mortgage term? Looking to release equity? Or just keen to know if you're on the right deal? Whatever your reason for remortgaging, we can help.
Home Mover Mortgage Services in Portsmouth

Home Mover Mortgages

If you're looking to up sticks, we're here to ease the burden of finding a new mortgage. Allow us to do the research and admin on your behalf so you can concentrate on the move.
Buy-to-Let Mortgage Services

Buy-to-Let Mortgages

If you're an established or fledgling landlord or perhaps looking to let a second home, we'll help you to crunch the numbers and find a deal to help maximise your investment.

What is working with The Mortgage Pod like?

Mortgages can be complex, but our mission is to make the whole process as painless as possible – enjoyable, even! You might be wondering what to expect from working with us. This is our tried-and-trusted six step process.

Start your journey with The Mortgage Pod in 6 simple steps...

We will search 1000's of different mortgage deals available to you from over 75 different lenders, including...

Steve Humphrey Mortgage Broker in Portsmouth

Steve Humphrey Founder, The Mortgage Pod

“After many years working as a mortgage broker, it was clear the process of obtaining a mortgage and buying a property could be improved. The Mortgage Pod was founded with the goal of making the entire home buying journey clearer, easier, and more transparent. With exceptional communication, unrivalled customer service, and approachable support at the heart of what we do, our expert mortgage advice is just the beginning of how we can help.”

What our customers are saying about us

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No hidden fees, no sales patter, just clear and transparent mortgage advice.

When you are buying a property, you have enough on your plate without feeling pressured or worried that you’re being misled. At The Mortgage Pod, we’re not here to sell you a mortgage, send you a bill and run. We will talk you through everything you need to know and you will always be able to reach us if you need to.

Have a question? Ask away...

It's right you should ask, as your mortgage broker will become your key contact throughout your entire property journey.

Above all else, the role of a mortgage broker is to research, source, and secure the best and most suitable mortgage product available for each unique customer's circumstances. 

Securing the lowest possible interest rate may seem the primary goal, but there are other factors to consider, such as approval criteria, how to get a mortgage with an unusual income structure or a history of poor credit.  

A mortgage broker will also aim to make your life easier by taking care of paperwork, answering any questions you may have as well as liaising with solicitors, estate agents or even surveyors on your behalf.

At The Mortgage Pod, we believe that excellent communication and first-class customer service are essential and can make all the difference to your property buying experience. 

There are many differences between your bank's mortgage service and that of a mortgage broker. A bank will only be able to offer you their products and services, and as this is likely to be on a non-advised basis, the options may be very limited.  

On the other hand, an experienced mortgage broker will be able to review many different options for you from various lenders, including banks, building societies, and even specialist lending houses.

At The Mortgage Pod, we work with more than 75 different mortgage lenders to ensure we find you the best and most suitable mortgage deal for your circumstances. It's very likely that this will include your own bank!

There are many repayment options, hundreds of different types of mortgages, and thousands of products out there. Knowing where to start can be intimidating, but the help of a mortgage broker can really help.

You may find yourself asking questions such as: - 

Should I get a fixed or variable-rate mortgage?

Should I take a repayment or interest-only mortgage?

Would a 25-year or 40-year mortgage term be best for me? 

Each type of mortgage has its own unique features, benefits, and drawbacks, and the best type for you will depend on your financial situation, credit score, intentions, and long-term goals.  

We are seasoned mortgage brokers and will help you understand the different types of mortgages that are available to you. We'll make our recommendations on the best type of mortgage for your circumstances.

Mortgages are as diverse as houses, and what suits one person may not suit another.

Choosing the best mortgage for you depends on many factors, such as your financial situation, credit score, and personal preferences.

At The Mortgage Pod, we can help you navigate the complex world of mortgages and find the best options for your unique circumstances.

We’ll consider your financial situation, your goals, your attitude towards risk, and your preferences to present you with a range of suitable options.

Ultimately, the best mortgage for you is one that fits within your budget, remains affordable and aligns with your long-term financial goals. 

The Mortgage Pod is a mortgage broker based in sunny Southsea, Portsmouth. We have superb local knowledge and love helping customers buy in the area. 

However, our location doesn't stop us from helping customers all over the UK. Communication is one of our strengths, and we're happy to talk on the phone, via text or WhatsApp, email or Zoom. Whatever you choose, we'll give you the same great service as if we were face-to-face.

If you decide to proceed with us, there may be a charge payable after we have completed our research, depending on the complexity of your mortgage application and whether you've worked with us before.

No fee is payable prior to submission of a full mortgage application, and the exact amount will always be confirmed to you in writing before any application is submitted.

A typical fee for a new customer is up to £499, which we feel is money well spent considering the size of the purchase and the reassurance our service provides. Bear in mind that it's our aim to save you money by finding you a competitive mortgage deal, so we might even pay for ourselves!

Please note, that we do reserve the right to charge more than £499 if the circumstances require it. But we will always, always inform you in advance.

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