Clear, simple and transparent mortgage advice you can trust
- Access to thousands of deals, some of which are not available directly.
- Experienced, professional mortgage advisers with specialist knowledge.
- Expert support and guidance throughout your entire property journey.
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.
Working with The Mortgage Pod in 6 simple steps
Well, this is the fun part. This is where the magic happens!
Say Hello!
We don't mind how you get in touch. Phone, email, WhatsApp, Line app, carrier pigeon..! Whatever is most convenient. We're here ready to take your enquiry. Get started today.
Let's Chat
Our first meeting is a chance for us to get to know each other and ensure we're a good fit to work together.
Documentation
We'll explain exactly what documents we need from you and why, so that you feel confident about sharing your information.
Let’s make it happen
Leave the paperwork to us, we'll make sure everything is taken care of and liaise with the lender so you can enjoy the journey.
Communication
From start to finish, your personal mortgage adviser will be there for you whenever you need them, whether you have a burning question or would just like some support.
Mortgage Offer
We'll get in touch to review your mortgage offer with you and answer any final questions you may have. If you're happy, we'll press 'go', and then we can celebrate!
Step 1
Say Hello!
We don’t mind how you get in touch. Phone, email, WhatsApp, Line app, carrier pigeon..! Whatever is most convenient. We’re here ready to take your enquiry.
It doesn’t matter how far in advance you contact us. You may just have a few questions to help you start planning, and that’s OK. If you are ready to find a mortgage right away, then great. We can schedule a time for you to chat with one of our mortgage advisers to get the ball rolling.
Either way, we’re here to help you navigate the sometimes-tricky world of mortgages and home buying.
So don’t be shy – say HELLO today!
Step 2
Let's Chat
Our first meeting is a chance for us to get to know each other and ensure we’re a good fit to work together.
We will ask you some questions about your individual situation, like how much deposit you have available, your home-buying history and the value of the property you are looking to buy.
This is also an ideal opportunity for you to quiz us. It’s a good idea to prepare a list of questions so you don’t forget anything.
From there, we can advise you of the options available to you and take it from there.
Step 3
Documentation
Now you know your options, your personal mortgage adviser will ask you for some documents, such as proof of ID, proof of income and credit report. This is to help assess your financial situation to ensure that our mortgage search is as accurate as possible.
We know this part can be overwhelming, but we’ll do our best to put you at ease and make it as simple as we can.
We’ll explain exactly what documents we need from you and why, so that you feel confident about sharing your information.
Step 4
Let’s make it happen
Following our mortgage advice and recommendations, you can relax on the mortgage front and focus your efforts on house hunting, carpet shopping, or whatever else you need to get done!
Leave the paperwork to us, we’ll make sure everything is taken care of and liaise with the lender so you can enjoy the journey.
Step 5
Communication
Communication, communication, communication. We’re not overstating when we say this is at the very heart of what we do.
There’s nothing worse than feeling kept in the dark and so we believe in keeping you updated every step of the way.
From start to finish, your personal mortgage adviser will be there for you whenever you need them, whether you have a burning question or would just like some support.
So, rest assured that you’re never alone in this process – we’ve got your back!
Step 6
Mortgage Offer
Things are starting to come together!
We’ll get in touch to review your mortgage offer with you and answer any final questions you may have. If you’re happy, we’ll press ‘go’, and then we can celebrate!
It’s important to us that no stone is left unturned. So, at this stage, we’ll introduce you to our mortgage protection adviser. They will give you clear and simple insurance advice to help protect you, your family, and your new home.
Rest assured, we won’t leave you hanging after that. We will be there to ensure there are no hiccups until you’re safely through your new front door.
We will search 1000's of different mortgage deals available to you from over 75 different lenders, including...
Steve Humphrey Founder, The Mortgage Pod
What our customers are saying about us
Customer service and communication are our strong points, but we don’t expect you just to take our word for it. If you have time, please take five and read what our customers are saying about us and why they rate us as a 5-star mortgage broker.
Amazing team, super helpful and made the whole process simple and relaxing instead of worrying. Barry was a great help always there to answe … Read more
Steve has been incredibly helpful from the very beginning of our house-hunting journey. He took the time to understand my needs, walked me … Read more
Amazing service! Barry is so helpful, really knowledgeable and nothing is ever too much trouble. We will always use Barry for our Mortgage a … Read more
Thank goodness I got in contact with Steve! Many people told me I wouldn’t be able to get a mortgage being self employed and only having tra … Read more
Steve at The Mortgage Pod has been absolutely fantastic from start to finish. He took the time to understand our situation in detail and fou … Read more
Barry made the whole process of applying for a mortgage a breeze. Without his help it definitely would have created more stress than we want … Read more
Barry was incredibly helpful, thorough and diligent. Always updated me promptly and the process was seamless. This was my first time remortg … Read more
Brilliant experience with Steve and the team. Steve is extremely knowledgable and pragmatic. It was a very smooth process.
Excellent service from Barry. He has been able to answer every question we had about mortgages and the process thoroughly. Would definitely … Read more
We’ve used the Mortgage Pod now for renewing our mortgage a couple of times now and they have been super helpful always on hand with any que … Read more
We have used Steve Humphrey @the mortgage pod for the last 10 years and I wouldn't use anybody else now . Steve and his team always go the e … Read more
Barry helped me through a remortgage - he was very consistent in his accessibility, very through with keeping line with financial regulation … Read more
Steve at the Mortgage Pod was incredibly helpful from day 1, right the way through to completion. As it was our first time buying, we had lo … Read more
As first time buyers we were unsure of the process, but Steve made everything so clear and easy.Always contactable, responsive and knowled … Read more
Steve offered us some fantastic support and guidance throughout our house buying journey. As first time buyers, we were a little overwhelmed … Read more
Tremendous experience with the Mortgage Pod,I had a series of unfortunate events that led my homebuying journey down a 2 year path but Stev … Read more
Barry has been brilliant throughout the whole process, he has helped us understand everything and talked us through each step as well as ans … Read more
We used Steve @ the mortgage pod to help us secure a new mortgage and release some funds to complete an extension. We had been trying to sor … Read more
We were so lost and dreading the process, but Steve was amazing and made things run super smoothly. He was super friendly, approachable and … Read more
I can’t recommend Barry highly enough! From start to finish, the service was excellent. They were always available, incredibly responsive, a … Read more
Steve was amazing throughout out the whole process, and was always happy to answer questions and respond quickly. He helped us get a great r … Read more
I had an excellent experience working with Barry as my mortgage advisor. He is incredibly kind, well-organized, always available to answer q … Read more
If you’re lucky enough to find Steve in your search for a mortgage broker then look no further. Steve was amazing throughout the entire proc … Read more
Would highly recommend - amazing service!I’m a first time buyer and the process of buying a property was very daunting to me. I knew very … Read more
We were let down by a previous mortgage advisor and had lost hope in buying our first home any time soon. Then we were recommended the mortg … Read more
Steve and Ebony have been amazing throughout the whole process, explaining everything in detail, making sure we are happy with all decisions … Read more
Mortgage Pod/ Steve has been absolutely brilliant throughout the whole process. He was really accommodating and took the time to explain eve … Read more
Barry was fantastic - really helpful and communicative. Went the extra mile. Highly recommend!
Barry from The Mortgage Pod was super helpful in assisting me in securing my first mortgage, as a whole of market broker he was able to find … Read more
As first-time buyers, we not only needed a mortgage advisor but also a guide through the buying process, and Barry Wise was exactly that. He … Read more
Great communication, and all of the team made the mortgage process as easy as possible
We couldn’t be happier with the outstanding service provided by Barry. From start to finish, we were guided through the mortgage process wit … Read more
Steve was helpful, knowledgeable, quick and really hard working and we are enormously grateful to him for his work. I can’t recommend Mortg … Read more
Barry at The Mortgage Pod has been absolutely fantastic in assisting us with securing our first mortgage.He was fantastic in communicating … Read more
10/10 service really appreciated. We were a bit nervous initially but was very easy through Barry and we were always kept in the loop 😀
Barry was amazing. He was very knowledgeable, reassuring and professional every step of the way. He kept me informed of every step.
Barry has been such a superstar in all his advise and hard work. We never thought of getting a mortgage advisor but after being looked after … Read more
Great service from Steve & the team. Kept us informed every step of the way and worked really hard to secure us a mortgage quickly. Would hi … Read more
The best advisor you can imagine. Five stars are not enough
After being told we could only get a mortgage at a real high rate and we’d have to wait another year for things to change we were put in con … Read more
Steve was exceptional in helping us secure a new mortgage earlier this year. Steve kept us in the loop at all times and worked hard to find … Read more
Steve is an amazing person, very helpful and informative. Straight on it with all updates and no question is too small. Would highly recomme … Read more
Steve was incredibly helpful in helping us sort the house and mortgage, would highly recommend
Steve was very helpful and friendly. Would recommend
Steve was very helpfull in buying our first home. Definitely will recommend him to our friends.
100/10 would recommend 100 times over. Steve answered all of my questions efficiently and quickly. He was always there to offer me advice an … Read more
Steve was excellent, especially since it was my first time buying. He went way beyond what he needed to do and made the whole process so muc … Read more
Steve was brilliant throughout the whole process - we needed a quick purchase of our rental property and Steve supported and pushed everythi … Read more
Brilliant service...fantastic advice...all done from the comfort of my home and I have a mortgage that suits my needs ...totally recommend
Steve was brilliant in guiding us through securing a new mortgage for our property. He has helped us over many years with previous mortgage … Read more
Really clear and helpful information, properly explained. I felt confident I was getting good advice. Very smooth process and easy to deal w … Read more
Steve has been a great help and comfort over the years when it comes to mortgages! He is a great sounding board with the patience of a saint … Read more
Steve helped us to find the best deal, handled all the stressful deadlines and overall ensured the whole process went through quickly and sm … Read more
Excellent service, highly reccomend The Mortgage Pod.
Amazing company, Nothing Steve and his team couldn’t do for us.Highly recommend them
Steve was immeasurably helpful in getting our mortgage organised. He made the entire process stress free and incredibly straightforward.
Absolutely fabulous service. Both Steve and Ebony were extremely friendly and helpful! I was well looked after and the team at the mortgage … Read more
Steve was great,helped me with advice finding my home,helped me with getting my best deal and helped me with the legalities.Great communica … Read more
We couldn't be more grateful for the help and support from Steve at the Mortgage Pod. His commitment to meeting customer needs is incredible … Read more
Nothing but praise for the company. Steve has been an absolute diamond and helped me out with my remortage in order for me to clear my debts … Read more
We recently worked with Steve and Chris at The Mortgage Pod to buy our new home, and we couldn’t recommend them highly enough.From the out … Read more
The Mortgage Pod dealt with our mortgage from start to finish offering us regular updates with new rates and answering all manner of questio … Read more
Steve was absolutely incredible. Couldn’t have asked for more!
I cannot recommend The Mortgage Pod highly enough. Initially we were not even sure if we were even ready for this journey of buying our firs … Read more
Really quick and easy process to remortgage with The Mortgage Pod. Barry was super helpful, explained everything so well and managed to get … Read more
Steve was absolutely amazing throughout the whole purchasing process of our first home. We had no idea what we were doing and what to expect … Read more
Steve at The Mortgage Pod was fantastic in helping us secure our first home. Our circumstances weren’t the most straight forward as a Ltd co … Read more
Steve was an outstanding mortgage broker who made the entire process smooth and stress-free. From the start, he took the time to explain all … Read more
Could not be more grateful for the mortgage pod. Had no idea what to do and Steve gave us all our options to make an informed decision whils … Read more
Steve got our initial mortgage for us and has renewed it twice over the years. Steve always manages to get us a good deal and helps us with … Read more
Good efficient and responsive
Steve has been incredible helping us purchase our first property. Always responsive and very hands on answering questions, finding out any i … Read more
Always a great service from Steve from The Mortgage Pod. Excellent communication on WhatsApp, gets the job done quickly and very happy with … Read more
Our latest news articles...
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...
What does a mortgage broker do?
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.
Should I use my bank or a broker to arrange my mortgage?
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!
What different types of mortgages are available?
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.
How do I know which mortgage is best for me?
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.
Where are you based and what areas do you cover?
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.
Is there a charge to work with The Mortgage Pod
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.