The Mortgage Pride

The Mortgage Pride Family-run, friendly, whole of market mortgage brokers. You can be confident that we will be with you every step of the way and beyond.

Based in Stoke-on-Trent, Staffordshire, we have 20+ years experience helping first time buyers and homeowners with their mortgage, remortgage and protection needs. Welcome to The Mortgage Pride...

We are your local friendly, family-run mortgage brokers based in Stoke-on-Trent, Staffordshire. Founded by Steven & Laura Lyons, our aim is simple; to provide you with access to stress-free, convenient,

impartial mortgage advice. Whether you are a first time buyer looking to take your first step onto the property laddder, or an existing homeowner wanting to move or review your current mortgage, we are here to guide you through the mortgage and home buying process with ease. We look forward to helping you. Steven & Laura Lyons

The Mortgage Pride Ltd is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. There may be a fee for mortgage advice and the precise amount will depend on your circumstances. This will typically be £599 of which £149 is payable upfront and the remainder charged prior to mortgage application. Your home may be repossessed if you do not keep up repayments on your mortgage.

Life insurance and income protection are both types of insurance policies you can choose to take out to protect you and ...
15/06/2026

Life insurance and income protection are both types of insurance policies you can choose to take out to protect you and your loved ones financially against the unexpected, but both offer very different benefits.

In the latest instalment of our ‘Making Sense of Insurance’ series, we look at the differences between life insurance and income protection.

WHY WAS I TOLD I COULD BORROW £X BUT I’VE NOW BEEN TOLD I CAN’T❓🤔Mortgage affordability is only one part of the story wh...
14/06/2026

WHY WAS I TOLD I COULD BORROW £X BUT I’VE NOW BEEN TOLD I CAN’T❓🤔

Mortgage affordability is only one part of the story when it comes to mortgages.

Not only does each mortgage lender have their own affordability calculation to work out how much you may be able to borrow, they also have their own lending criteria you need to meet.

For example, some mortgage lenders:

❌ May not accept certain types of deposit.
❌ May require a larger deposit/equity in the property.
❌ May not accept certain types of income such as Child Benefit, Personal Independence Payments, Universal Credit, overtime, commission, agency work, furlough income.
❌ May state you need to have been employed in your current role for a certain length of time.
❌ May not accept any adverse credit history (e.g. missed payments, CCJs, defaults).
❌ May not lend on certain types of property.

This list is not exhaustive.

A good mortgage broker will make sure you understand how much you can borrow based on your personal circumstances and each mortgage lenders own criteria.

Our mortgage planning service is designed to match you and your circumstances to the most suitable mortgage lender, taking both mortgage affordability and lending criteria into consideration.

*Your home may be repossessed in the event you do not keep up repayments on your mortgage.

Quote of the week…We are a big believer of this here at The Mortgage Pride.
13/06/2026

Quote of the week…

We are a big believer of this here at The Mortgage Pride.

From Notice to Move-In! A First-Time Buyer Success Story ✨We were recently contacted by a couple whose landlord had deci...
12/06/2026

From Notice to Move-In! A First-Time Buyer Success Story ✨

We were recently contacted by a couple whose landlord had decided to sell the property they were renting. They wanted the stability of owning their own home and had found their dream property — but their previous broker had gone silent, and panic was setting in. 😬

When they came to us, we uncovered several challenges that could make securing a mortgage tricky:

❌ 3 income sources (2 part-time employed + 1 part-time self-employed) for one of the clients.
❌ One job was with a family business.
❌ Recently moved from partnership to sole trader.
❌ Past credit blips.
❌ Gifted deposit.

But securing mortgages for complex circumstances is our speciality. ✅

Steven worked through every detail, used his extensive knowledge of lender criteria and affordability rules, and matched them with a lender who accepted all their income sources — plus their partner’s income — to get them the mortgage they needed. 🙌

The result? ✅ Mortgage OFFERED and they’re now waiting for their purchase to complete!

Just another example of the benefits of using an experienced mortgage broker like The Mortgage Pride. 💛🦁

It’s natural to feel daunted when you are buying your first home, after all it’s not something you have done before!We a...
11/06/2026

It’s natural to feel daunted when you are buying your first home, after all it’s not something you have done before!

We are experts at what we do so our first time buyer clients have peace of mind they are in safe hands as we guide them safely through the home buying process, leaving them with one less thing to worry about it.

Don’t just take our word for it though…

Hands up if you think the world of mortgages and insurance appears daunting?Yes, us too!We also realise that this can so...
10/06/2026

Hands up if you think the world of mortgages and insurance appears daunting?

Yes, us too!

We also realise that this can sometimes be one of the barriers stopping people from making the right financial decisions for them and their families.

That’s one of the main reasons we are committed to breaking down the jargon and helping you realise that it doesn’t have to be daunting with the right people by your side.

When purchasing your dream home, remember you can use whichever mortgage broker and solicitor firm you prefer - choose t...
09/06/2026

When purchasing your dream home, remember you can use whichever mortgage broker and solicitor firm you prefer - choose the one you feel most comfortable with.

🏡 You’ve been told you need an Agreement in Principle (AIP) but do you know what one is❓🏡 They are also known as a: ➡️ D...
08/06/2026

🏡 You’ve been told you need an Agreement in Principle (AIP) but do you know what one is❓🏡

They are also known as a:

➡️ Decision in Principle (DIP);
➡️ Mortgage in Principle;
➡️ Mortgage promise.

It is a certificate or statement from a mortgage lender to say how much they will lend you ‘in principle’ based on some basic information. They often involve a credit search.

It is the first stage of the mortgage process and is not a full mortgage application. The full mortgage application is not completed until after you have had a offer accepted on a property.

🏡Why will an Agreement in Principle help me❓🏡

➡️ It will help you to search for a property in your price range;
➡️ It will save you disappointment as you will know how much you can borrow;
➡️ Most estate agents will require an Agreement in Principle certificate before accepting an offer on behalf of the seller to provide them with the confidence you are able to obtain a mortgage.

🏡 What are my next steps❓🏡

It is recommended that you take professional mortgage advice from a whole of market mortgage broker like The Mortgage Pride, prior to obtaining an Agreement in Principle.

This is because:

➡️ They often involve a credit search which may affect your credit file;
➡️ You may not match each mortgage lenders criteria at full application stage;
➡️ The amount you can borrow may be different to the amount you can afford.

*Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage application to formal mortgage offer issued for a house purchase in less than 24 hours! 🙌We met with our client...
08/06/2026

Mortgage application to formal mortgage offer issued for a house purchase in less than 24 hours! 🙌

We met with our clients yesterday to complete their new mortgage application. They have outgrown their existing home so are moving to a larger property to give their growing family more space. Our clients can now relax knowing their mortgage is approved.

This is another example how our comprehensive mortgage planning service helps our clients achieve their property goals. 💛

Happy Sunday! Whilst Steven is meeting with 2 clients today to submit their mortgage applications, Laura & Harley have e...
07/06/2026

Happy Sunday!

Whilst Steven is meeting with 2 clients today to submit their mortgage applications, Laura & Harley have escaped to one of their favourite places for iced coffee and treats. It’s a perfect place whilst our mortgage cub, Ella, is at Defy Gravity Studios rehearsing for their upcoming show in July. 🩰🧑‍🩰

If you live local and haven’t yet visited Westport Lake Cafe, make sure you visit - we love sitting on the decking overlooking the lake after a stroll. ☕️

🦁

Address

Mill View
Stoke-on-Trent
ST68BH

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+441782450050

Website

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