General mortgage information and help preparing your enquiry
Mortgage Bridge acts as a mortgage introducer. We provide general information and administrative support to help you prepare a mortgage enquiry. Where appropriate, we can introduce you to an adviser acting through a firm authorised and regulated by the Financial Conduct Authority (FCA).
Information and preparation before an adviser assessment
We help organise your credit, income, deposit and property information for an enquiry. Any introduction is separate from the authorised firm's assessment and advice.
Credit issues
General information about defaults, CCJs, arrears and missed payments. Providing an explanation does not guarantee that a lender will accept an application.
Complex income
General information about self-employed, limited-company, contractor, variable, benefit and pension income. Lender approaches and evidence requirements vary.
First-time buyers
General explanations about deposits, affordability checks, documents and the buying process. These are not an assessment of your borrowing capacity.
Realistic next steps
Administrative help with the information an adviser may request and how to prepare your enquiry.
Topics covered by our general information
Mortgage availability will depend on your individual circumstances, affordability and lender criteria. Acceptance is not guaranteed.
Methodical, realistic and supportive
We help organise the information you provide and explain the enquiry process. Our support is administrative only. Any assessment of your circumstances and mortgage suitability is carried out separately by an adviser acting through an authorised firm.
- ✓ A clear summary of your credit, income, deposit and objectives.
- ✓ Introductions, where appropriate, to advisers acting through authorised firms.
- ✓ Clear boundaries between administrative support and regulated mortgage advice.
- ✓ Help organising documents an adviser may request, without a guarantee of acceptance or timescales.
- ✓ Clear explanations without unnecessary mortgage jargon.
What to expect
We collect and organise initial enquiry information and, where appropriate, facilitate an adviser introduction. Any review by Mortgage Bridge is administrative only and does not assess mortgage suitability or eligibility.
Initial enquiry
Tell us about your circumstances, property plans and the support you are looking for.
Administrative review
We organise the income, credit, deposit and document information you provide. This is not a suitability assessment, eligibility check or lending decision.
Adviser introduction
Where appropriate, we introduce you to an adviser acting through a firm authorised and regulated by the FCA. An introduction does not guarantee mortgage availability.
Regulated advice
The adviser, acting through the authorised firm, assesses your circumstances and suitability before providing any advice or product recommendation. The lender makes the final lending decision.
How adviser introductions work
Mortgage Bridge facilitates introductions. An introduction is not an assessment of mortgage suitability or confirmation that you meet a lender's criteria.
Who receives enquiries: Enquiries are made available to advisers with access through our referral arrangements. The current recipient group comprises The Finance Advice Group network and brokerages within that network, together with Gold Feather Mortgages. We do not compare the whole adviser market or assess which adviser is most suitable for you.
Before an adviser takes responsibility: Advisers with access can see your name and enquiry-form details. The contact details held for contacting you become available to an adviser when they assign the enquiry to themselves.
After assignment: The assigned adviser contacts you to discuss your enquiry and how they may be able to help. Access to the lead and its details is then restricted to that adviser within the adviser group. Mortgage Bridge and its authorised support providers may still access information to administer and maintain the service.
Changes to the recipient group: We may add other adviser firms in future. We will update our Privacy Policy to describe changes to the recipient group before information is shared with new firms.
Our commercial relationship: Mortgage Bridge has a commercial referral relationship with the advisers or firms receiving these introductions.
How we are paid: When a case introduced by Mortgage Bridge completes, we receive a percentage of the commission earned by the adviser on that case. This means Mortgage Bridge has a financial interest in introduced cases completing. The adviser will explain their own fees and commission arrangements separately.
Any regulated mortgage advice and product recommendations are provided separately by an adviser acting through an authorised firm following an assessment of your individual circumstances. The lender makes the final lending decision.
See our Privacy Policy for the information shared, access arrangements and use of personal data, and our Terms and Conditions for the terms of our service.
Our role in your mortgage journey
Mortgage Bridge acts as a mortgage introducer and provides general information and administrative support only. We do not assess mortgage suitability, determine eligibility, recommend products or provide regulated mortgage advice. Any regulated advice is provided separately by an adviser acting through an authorised firm following an assessment of your individual circumstances.
Ready to discuss your circumstances?
Send us details of your enquiry for administrative support and, where appropriate, an adviser introduction. Any regulated mortgage advice is provided separately through an authorised firm. Making an enquiry does not confirm mortgage eligibility or guarantee an offer.
Start a mortgage enquiryYour home may be repossessed if you do not keep up repayments on your mortgage.