HouseMartin Mortgages

06/01/2026

22/12/2025

18/12/2025

18/12/2025

The Monetary Policy Committee voted by a majority of 5-4 to cut interest rates to 3.75%.

Find out more: https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

11/12/2025

“Don’t use a broker that charges a fee — they already get paid commission by the lender!”

I hear this a LOT… so let me break it down for you👇

The average commission (proc fee) we receive is 0.35–0.5% of the loan amount.

➡️ Let’s go with the higher end; On a £250,000 mortgage at 0.5% = £1,250 proc fee.

From that:

The Network takes around 15% → £187.50
Remaining: £1,062.50

If there’s a referral involved (average £250) →
Remaining: £812.50

Then the company and broker split the commission. Splits vary (35–60%- sometimes more)!

Let’s go in the middle 47.5% company share →
Company receives: £385.93
Broker receives: £426.57

That’s for up to 6 months of work — sometimes more.

Brokers who charge £0 often have hundreds of cases at once, meaning they simply can’t provide the same level of service or time investment.

So how do I EARN my broker fee?

✔️I’m available Monday–Sunday via WhatsApp or phone call
✔️ Deep research on complex cases, often speaking to multiple lenders can take days. I don’t just put you with any lender, I work hard to make sure the lender is the BEST FIT for you
✔️ Affordability searches > Agreement In Principle
✔️ Putting forward offers to estate agents (if you want me to!)
✔️ Submitting full applications + uploading documents + constantly chasing
✔️ Fighting your corner to get your mortgage through smoothly
✔️ Preparing a full compliance file (this alone can take up to 3 hours)
✔️ Continual support after the mortgage offer — liaising with solicitors, chasing for updates, solving issues, explaining everything to you clearly and guiding you all the way to completion
✔️ Rate reviews on your mortgage rate (to make sure you are still on the best rate available) all the way up until completion

My broker fee is requested after the mortgage offer is issued. If I cant get you a mortgage offer, you don’t pay. Simple.

If you want transparency, proper communication, and someone who’s genuinely in your corner from start to finish — that’s exactly what I offer 🤝✨

*your home maybe repossessed if you do not keep up with your mortgage repayments*

11/12/2025

Got in to the office this morning from one of our lovely new clients - thank you for the feedback. *your home maybe repossessed if you do not keep up with your mortgage repayments*

12/11/2025

Thank you to everyone who joined in our midweek game for a bit of fun, ‘guess the weight of Mandy’s marrow’.

Our winner is - Mark Lonergan. With nearly perfect answer…

Mark guessed - 4.4kg (9.7lbs)
Mandy’s marrow actually weighed 4.99kg (11lbs).

Mark - thank you for getting involved and sharing our post as well.

As promised, you’ve won a free broker fee, a coffee on us and of course the bragging rights to go with it.

The team have all enjoyed creamed marrow soup this week for lunch. 😋
We will be in touch to arrange your prize 🙂

06/11/2025

COMPETITION TIME !!! For a bit of midweek fun.

Guess the weight of ‘Mandy’s marrow’!!

Give us a comment with what you think Mandy’s marrow weighs……
The weight will be announced this time next week.

The winner will win bragging rights, a free broker fee (usually £595) and a coffee on us.

06/11/2025

It only took us six months… but we finally got some photos taken! 📸

Loving life as a team of 3 — well, 4 actually! 💕

Meet the ladies behind House Martin Mortgages:

🏠 Mandy – Director (aka The Boss)

💼 Rachael – Advisor and the newest addition

📋 Hannah – Paraplanner (aka Wingwoman)

🐾 Charlie – Team mascot & official intruder alarm

We look forward to helping you with your mortgage enquiries 🤩