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Mortgage & Life

Mortgage Broker

At Mortgage & Life, we make finding the right mortgage simple. Whether you’re a first-time buyer, homeowner, landlord, or a business owner, our expert mortgage brokers in Harrow are here to guide you every step of the way. With access to a wide range of lenders and tailored advice, we’ll help you secure the mortgage solution that’s right for you.

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Quick Mortgage Quote

About You

Quick Mortgage Quote

About You

Your information will only be used to answer your enquiry and will not be retained for marketing purposes. 

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About Mortgage & Life

At Mortgage & Life, we pride ourselves on delivering independent mortgage advice in Harrow that’s built around your needs. With years of experience supporting clients across residential and commercial mortgages, we’re committed to making the process as stress-free as possible.

We believe no two clients are the same — that’s why our services are tailored to your unique circumstances, whether you’re buying your first home, expanding a property portfolio, or arranging finance for your business.

Mortgages

Residential Mortgage Services

Finding the right mortgage can feel overwhelming — but with our expert guidance, it doesn’t have to be. At Mortgage & Life, we provide tailored residential mortgage advice in Harrow to suit every stage of your homeownership journey.

First Time Buyer Mortgages

Taking your first step onto the property ladder? We’ll guide you through deposits, government schemes, and lender requirements to make your move into homeownership as smooth as possible.

Buy to Let Mortgages

From single investment properties to portfolio landlords, we arrange buy to let mortgages designed to maximise returns and support long-term property investment strategies.

Remortgages

Thinking of switching lenders or releasing equity from your home? We can help you remortgage for better rates, fund home improvements, or consolidate debts.

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

Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.

Our Services

Commercial Mortgage Services

At Mortgage & Life, we understand that securing finance for commercial property or investment projects requires specialist knowledge. Our team provides expert advice on a wide range of commercial mortgage solutions in Harrow, tailored to businesses, landlords, and developers.

Every client is unique. From complex cases to niche investment opportunities, we provide tailored solutions that go beyond standard mortgage products.

Commercial Property Mortgages

Whether you’re buying office space, retail premises, or other commercial property, we’ll help you access finance that supports your business goals.

Limited Company
Buy to Let

More landlords are purchasing through limited companies to benefit from tax efficiencies. We work with a range of lenders offering specialist products for company structures.

Property Development
Finance

Planning a new build, refurbishment, or conversion project? Our team can source development finance to ensure your project gets the funding it needs.
Specialist Lending

Insurance

Protection & Insurance Services

A mortgage is one of the biggest financial commitments you’ll ever make — and protecting it is just as important as securing it. At Mortgage & Life, we offer a full range of protection and insurance services to give you and your family peace of mind.

Our protection services are designed to complement your mortgage, giving you complete financial security under one roof.

Life insurance

Ensure your loved ones are financially secure if the unexpected happens. We’ll help you find the right cover to protect your family and your home.

Critical Illness Cover

Serious illness can strike at any time. Critical illness cover provides a financial safety net so you can focus on recovery without the added stress of money worries.

Home Insurance

From buildings insurance to contents cover, we’ll make sure your property and possessions are protected against life’s uncertainties.

Please note for these insurance products, terms and conditions apply. This information is a summary only.

How We do it

Why Choose Mortgage & Life?

  • Independent, whole of market advice

    we’re not tied to one lender, meaning we can search widely to find the best options.

  • End to End support

    From your first enquiry to completion and beyond, we’ll guide you every step of the way.

  • Tailored solutions

    From first-time buyers to portfolio landlords and developers, we adapt our advice to fit your unique needs.

  • Trusted and Regulated

    As an appointed representative of The Openwork Partnership, our services are FCA regulated for your peace of mind.

  • Local Knowledge

    based in Harrow, we understand the local property market and the challenges faced by buyers, landlords, and businesses.

Access to Exclusive Rates

Through our network of lenders, we can often secure deals that aren’t available directly to the public. This means you get more choice and potentially better value on your mortgage.

Beyond The Basics

Going Further For Our Clients

Protection Built In

A mortgage is only part of the journey. We also offer life insurance, critical illness cover and home insurance to make sure you and your family are financially protected

Long Term relationship

We’re here for more than just your first mortgage. Whether you need to remortgage, expand your property portfolio or review your protection. We’ll support you for years to come

Testimonials

Client Testimonials

With a strong reputation across Harrow and North London, we’re proud to support homeowners, landlords, and businesses in achieving their property and financial goals.

Don’t just take our word for it — here’s what our clients say about working with Mortgage & Life

Our Location

Mortgage Broker in Harrow

Based in the heart of Harrow, Mortgage & Life is proud to serve homeowners, landlords, and businesses across North London and beyond. As your local mortgage broker, we combine in-depth knowledge of the Harrow property market with access to a wide network of lenders, ensuring you get the right advice close to home.

FAQ's

Frequently Asked Questions

Have questions about mortgages, protection, or how we work? We’ve answered some of the most common queries below to help you get started.

What's the difference between residential and commercial mortgages?

Residential mortgages are for buying or remortgaging your home, while commercial mortgages are used to finance business premises, investment properties, or property development projects.

How much deposit do I need as a first-time buyer in Harrow?

Most lenders typically require a deposit of at least 5–10% of the property’s value. However, some government schemes may help you get on the property ladder with a smaller deposit.

Can I get a buy to let mortgage through a limited company?

Yes — many landlords now purchase investment properties through limited companies. We can guide you through the benefits and find lenders that support this type of structure. ullam voluptatibus commodi numquam, error, est. Ea, consequatur.

When should I consider remortgaging?

You may want to remortgage when your current deal is ending, if you want to secure a better rate, release equity for home improvements, or consolidate debts. 

Do you charge broker fees?

Our fees vary depending on the complexity of your mortgage needs. We’ll always be upfront about costs, so there are no surprises. In many cases, our advice can save you money in the long run.

Are your services regulated?

Yes. Mortgage & Life is an appointed representative of The Openwork Partnership, which is authorised and regulated by the Financial Conduct Authority (FCA).

Contact Us

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Your information will only be used to answer your enquiry and will not be retained for marketing purposes. 

The internet is not a secure medium and the privacy of your data cannot be guaranteed.

Mortgage & Life Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. 

The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK

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