Helping you on your property journey

Mortgage advice

Without the fees.

When faced with a huge financial decision, you need jargon free, honest advice, and no surprise fees.

I am a non-fee charging whole of market mortgage adviser, providing my advice purely for your benefit. Once I understand your individual circumstances and needs, I research across the mortgage market so I can recommend the most suitable mortgage deal for you. As part of my service, I deal with the lender on your behalf, taking the stress out of the process for you.

First time buyers mortgage advice

First Time Buyer

Guidance all the way so you know exactly what’s happening, and how much it all costs.

Moving Home Mortgage advice

Home Mover

Porting your mortgage, additional borrowing*, and everything you need to do

Remortgage Advice


Comparing lenders across the market, with plenty of time to review the solution for your needs

Buy-to-let Mortgage Advice

Buy to Let

Funding onward purchases, investing or remortgaging – advice whenever you need it

*Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Forces Help to Buy Scheme

Fee-free mortgage advice for those serving in the armed forces, or embarking on civilian life. How the Forces Help to Buy Scheme works.

MK MortgagesExcellentMK Mortgages5.0 Based on 64 reviews fromSee all reviews review us onmandy lennonmandy lennon ★★★★★ Highly recommend MK Mortgages. Helpful and supportive all the way in securing suitable mortgage product.Response from the ownerThank you Mandy. I hope you are happy in your new home and look forward to helping you again in the future. A BA B ★★★★★ Marc from MK Mortgages was so fast and knowledgeable on getting us our first mortgage. Couldn’t have purchased the house without him!Response from the ownerThank you, and I look forward to working with you again in the future. Alex CookeAlex Cooke ★★★★★ The ease with with which Marc is able to organise and advise mortgages is next to none.Made the whole process incredibly easy from start to finish, adding advice from years in the business every step of the way. We will definitely be coming back to Marc in the future.Anyone thinking about choosing a mortgage advisor, Marc is your man!Response from the ownerThank you Alex, very kind of you. Its been a pleasure to help you both with your first mortgage and I look forward to arranging many more for you. Mark WebberMark Webber ★★★★★ Great company to deal with.Marc Kavanagh has given me very good advice over the years and got some excellent mortgage deals for me.Response from the ownerThanks Mark, its always been a pleasure to help you and the family. Dan RichardsDan Richards ★★★★★ Marc and Sooz at MK mortgages have been helping us with mortgaging for 7 years at this stage, and we only have good things to say about them.First and foremost they're great to deal with, helping us grow from first time buyers through new mortgage deals, sales and further purchases. Always going the extra mile to get the best deals available. Highly recommended.Response from the ownerThank you Dan. Its been a pleasure to help you through the property journey. Marcus DunnMarcus Dunn ★★★★★ Mark and Sooz were great at advising and arranging mortgage products based on my needs. In particular they promptly revisited mortgage options when new rates became available and escalated my application to allow a prompt purchase. I cannot recommend them highly enough.Response from the ownerThank you Marcus. I look forward to helping you again in the future. Amar LatifAmar Latif ★★★★★ Marc was absolutely amazing in helping me with my first buy-to-let mortgage. He was very helpful in asking me questions to understand my requirements before then helping to advise me on the best approach. I had approached 4 different brokers, but honestly Marc was by far and away the best amongst the lot. Not only was he completely transparent (he sent me documents with all the available rates whereas some of the other brokers only sent me their 'preferred' option), but he was also unique in that he does not take a payment from the client (this is almost unheard of amongst brokers). I also really appreciated Marc taking the extra time to offer me advice from a business perspective (he even explained the legal requirements and elements that really my solicitor should have been talking to me about) and he made the whole process seem less daunting for a complete novice, including communicating with me when on holiday and taking my calls at the weekend in order to hit a deadline with one of the mortgage companies. I have no hesitation in recommending MK Mortgages and indeed have already recommended and introduced him to colleagues and friend.Response from the ownerThank you Amar, this is a great review to receive so thank you. I look forward to helping you with the next one. Alina SvinchukAlina Svinchuk ★★★★★ We are so happy with the excellent service, advise and help from Mark and MK Mortgages team. Mark has always been there for us, answering our questions, providing guidance, and offering support. He made a difficult process so much easier. I will always recommend MK Mortgages team. Thank you for this great experience!Response from the ownerHi Alina, thank you for a great review. We look forward to helping you again in the future. Owen LattyOwen Latty ★★★★★ Marc and Sooz both amazing, so quick to get in touch and always there for guidance when needed - highly recommendResponse from the ownerHi Owen, thank you for the great review and for mentioning Sooz. We both wish you well in your new home. AnnaAnna ★★★★★ Marc gave us different options and patiently explained what they all meant and the potential implications. We had several phone calls with him before we decided what to do and wouldn’t have been able to do it without his input. Wouldn’t hesitate to recommend.Response from the ownerThanks for the 5 star review Anna, always nice to see our clients saying thank you for our fee free service. James WhitworthJames Whitworth ★★★★★ Used them for 6 years now, a great service. Initially when setting up Marc was great at helping out with some certifications that the seller had not got. I'm not sure I would have been able to buy this place if it were not for him.For my most recent mortgage renewal, Marc has been excellent at monitoring rate changes and letting me know when there is a better offer even though a new agreement was already in place.Would definitely recommend to anyone looking for a mortgage advisor.Response from the ownerThanks for the review James, hopefully offer number 5 will be the last one. All part of the fee free service James. Laura GreenwoodLaura Greenwood ★★★★★ We have been with MK Mortgages for about 6 years and have been very happy with the advice and help we have been given. Wouldn’t go anywhere else for mortgage support.Response from the ownerThank you Laura, wow, is it 6 yrs already? time flies. To the next time. karl wardkarl ward ★★★★★ Marc and Sooz were both a pleasure to deal with and very attentive to address our needs. The team were fantastic in getting us the best deal, making the process clear and easy with excellent communication! I was recommended and have nothing but positive words to say and have recommended the team to friends safe in the knowledge they will deliver excellent results. Cannot thank them enough and will continue to work with MK mortgages in future!Response from the ownerHi Karl, thank you for a great review. Its always a pleasure to help you both and I look forward to the next one. Thomas HarperThomas Harper ★★★★★ Always an amazing service from MK Mortgages. I used MK Mortgages as a first time buyer who had no idea what I was doing. Marc and Sooz made the process incredibly easy and simple to understand. I am currently going through my second remortgage with MK Mortgages which has all been going perfectly, couldn't recommend enough.Response from the ownerHi Thomas, big thank you from both Sooz and I. Always a pleasure to help and we look forward to the next one. Matthew PettyMatthew Petty ★★★★★ Sooz and Marc were professional, helpful and informative throughout the mortgage process. I would highly recommend M K Mortgages and will use them again in the future.Response from the ownerHi Matthew, thanks for the review and we look forward to helping you again in the future. Simon FletcherSimon Fletcher ★★★★★ I have used Marc at MK Mortgages since 2006. In all that time I have found him extremely knowledgeable and up to date on a ever changing and confusing industry. Marc is very attentive to fully understanding our circumstances so he ensures he places us with the best mortgage provider to match our needs. Each year Marc proactively offers a review and constantly stays in touch which we like. If you are thinking of using a mortgage adviser, you will not be disappointed if you use Marc and the team at MK Mortgages.Response from the ownerThank you Simon, very kind words. We look forward to helping with many more mortgages in the future. Sharron JohnsSharron Johns ★★★★★ An amazing efficient and highly professional service from Marc and Sooz. They ensured we were aware of every step and supported us on each phone-call we made through the maze of re mortgaging . Sooz always went above and beyond and I would recommend them to everyone. Thank you so much.Response from the ownerHi Sharron, thank you for leaving this review and for mentioning Sooz. She does a lot of work in the background so its lovely that she gets the credit. Calum JohnsCalum Johns ★★★★★ Could not recommend any higher. Mark is incredibly knowledgeable and on many occasions was happy to talk through multiple options that were right for my situation. He explained options very simply for what is very complex proesss for someone doing this for the first or second time. He has a wealth of knowledge of the sector and I always felt my recommendation was a highly informed one with the best financial upside.Sooz supported the finer detail of the process and went over and above in so many situations for us. She was highly responsive and kept everything moving at pace for us. Nothing was too much of an ask for her and she took so much stress out of it all.Great business & great people!Response from the ownerCalum, this is a great review and thank you for taking the time to mention Sooz. Its been a pleasure to help you and we look forward to helping you in the future james rossjames ross ★★★★★ MK Mortgages really care about what is right for you as the client and Marc is a really bright guy who understands the whole market place....used them for many years and service is always outstandingResponse from the ownerThank you James, really appreciate the review. Rob EliasRob Elias ★★★★★ Marc took all the stress and worry out of a potentially difficult remortgaging situation. The process he put in place ensured we got the best possible deal. Consistently, over a number of years, he’s been giving of his time to offer expert insight and advice. We’re very happy and would definitely recommend his services.Response from the ownerThank you for the brilliant 5 star review Rob. Always a pleasure to help you out. Rosie FitzpatrickRosie Fitzpatrick ★★★★★ Can't recommend Marc highly enough! He did an absolutely fantastic job in finding the right mortgage in a challenging market and did not charge any fees! Marc's professionalism, expertise, and dedication throughout the entire process were truly commendable and he went above and beyond what I would expect from a mortgage broker.He took the time to thoroughly understand my financial situation, goals, and preferences and provided me with comprehensive advice and guidance that helped me navigate the complex market conditions. He made sure I understood every step of the house buying process in general and diligently explained my options.One of the standout qualities about Marc, and Sooz!, were their accessibility, responsiveness and proactiveness. They were always just a phone call or email away, ready to answer any questions or concerns.Thank you Marc and Sooz!Response from the ownerHi Rosie, that's an amazing review!! thank you and for thanks mentioning Sooz. Dominic KnightDominic Knight ★★★★★ Marc gave me great advice and insight and it cost me nothing. What's not to like! Thank you!!Response from the ownerPleasure, happy to have helped you both. darren ponddarren pond ★★★★★ Our experience of using MK Mortgages was fantastic. Marc was extremely patient with us, working to a tight time frame and still managed to secure us a mortgage cheaper than we could get directly from the lender.Both Marc and Sooz were more than helpful throughout, patient and showed true professionalism. The advice offered was honest, which at the current time, given the uncertainty of the market was appreciated, it was to the point and Marc’s knowledge of the market was clear.We are truly grateful for the help given, with our only regret being we didn’t make contact earlier than we did. I would highly recommend.Response from the ownerThank you Darren, that's great to hear and thank you for mentioning Sooz. Isobel McLauchlinIsobel McLauchlin ★★★★★ Brilliant service. Prompt and responsive and worked out of usual business hours to secure the best deal for us. Would highly recommend.Response from the ownerThank you for the feedback and 5 star review Isobel. Kim WilesKim Wiles ★★★★★ Can’t recommend Marc and team highly enough! They have been our trusted partner for our remortgages for over a decade now and their diligence and brilliant advice and help has made a big difference to us. Thank you Marc and Sooz!Response from the ownerHi Kim, thank you for the great review and its been a pleasure to help you both over the years. Katarzyna PiotrowskaKatarzyna Piotrowska ★★★★★ Very professional. The team always keeps an eye on deadlines, deals and manages cases extremely efficiently. Very happy customer.Response from the ownerGreat to hear Katarzyna, always happy to help you and the family with your mortgage needs. Joanne DavenportJoanne Davenport ★★★★★ Response from the ownerThank you for the 5 stars THEBES86THEBES86 ★★★★★ Response from the ownerThank you for the 5 stars Amy KingAmy King ★★★★★ Fast, friendly and family focused.The main strength of MK Mortgages is their personal touch. Marc is almost always available on the phone- he has helped us from purchase and through two renewals. He listens well, explains things clearly and we feel he really cares.Sooz is super efficient and deals with the admin side (a minefield in its own right)- she sends reminders near the time of renewal (way before you’ve even thought about it) and is always quick to respond to emails. No question is too silly!Both Marc and Sooz have a warm manner than reassures you that you’re in safe hands. They know their stuff and always place their clients at the centre of their decision making.We wouldn’t re-mortgage with anyone else. As our family continues to grow, I’m sure they’l help us more in the years to come.MK Mortgages save us so much time and allows us to side/step the jargon and feel more confident in navigating these most turbulent of financial times.Response from the ownerThank you for the amazing review Amy and for highlighting the great work that Sooz does.We look forward to working with you again in the future. Robert BiggsRobert Biggs ★★★★★ Marc has looked after us for a number of years and we are hugely appreciative of all he has done. We would certainly use his services again in the future.Response from the ownerThank you Robert and good luck on the next phase of life for you both. Sajad JafariSajad Jafari ★★★★★ Mark is as honest and reliable as they come - great guy and broker!Response from the ownerThank you my friend, great review to receive. Beckiee FBeckiee F ★★★★★ We were recommended Marc by a Friend and we've used Marc since we brought out first house back in 2018. He's helped us with both are mortgage renewals. & got it locked in fast, which with everything that's happened this year has saved us alot of money! He is organized, explains everything and I mean everything we ask. Gives us plenty of information to help us make our choices. Highly recommend.Response from the ownerHi Beckiee, thank you for the great review. Have a great Christmas stephanie walkerstephanie walker ★★★★★ Always helpful and efficient. Marc takes the time to explain options and follows-up with reminders in good time. He's been great over the 4+ years we've worked with him. Highly recommend.Response from the ownerThank you for this Stephanie, have a great Christmas Sophie LawrenceSophie Lawrence ★★★★★ Marc advised my two sisters and I on our first mortgage and was absolutely brilliant. He provided helpful and practical advice tailored to our circumstances, was always available to answer questions and provided candid answers, we always felt he was on our side and not angling to sell us what we didn't need or want. The supporting team were also friendly, responsive, and professional. Would highly recommend.Response from the ownerThank you Sophie it was great to help you all with your first purchase. Steve LindleySteve Lindley ★★★★★ So helpful in every aspect of our remortgaging. Communication was excellent, I can highly recommend MK Mortgages !Response from the ownerThank you for the great review Steve Ella BrooksElla Brooks ★★★★★ I cannot recommend Marc and his team highly enough. They helped and supported me throughout the whole process of buying my first home and were always kind and professional.Marc and Sooz made everything as simple as possible and went above and beyond to help. They were always there for guidance and to answer any questions, which was amazing as I was embarking on a process I had very limited knowledge about. I’m not sure I would have been able to do it without them!Response from the ownerThank you Ella. We look forward to helping you again in the future. Jake LeeJake Lee ★★★★★ Excellent customer service from extremely knowledgable people. I have used MK Mortgages for years and would recommend them to anyone.Response from the ownerThank you Jake, I hope all well with you. S TS T ★★★★★ Marc helped me secure a mortgage after my divorce, even though he is the Boss, he treated me as he does his clients with understanding my needs and ensuring I was happy and confident with the option I made.Response from the ownerThanks for the review! wont be long before the next review is due. Zoe ThompsonZoe Thompson ★★★★★ Recommended to me by multiple friends, couldn't be happier with the service we received from Marc and Sooz. We had unique requirements for a mortgage with a stipend and Marc found us a great solution. Wouldn't hesitate to recommend myself now!Response from the ownerHi Zoe, thank you for the review and great to see you moving in now. All the best until next time. LE DLE D ★★★★★ I couldn’t recommend MK Mortgages highly enough! Marc and his team helped us navigate our applications for two mortgages simultaneously (one residential, one buy-to-let) and his explanations and guidance made what had felt like quite an intimidating process go very smoothly. He secured us two excellent deals notwithstanding the turbulence of the market, and his assistant was very efficient with follow-ups as we approached completion day. We’ve just received a card from Marc and team to welcome us into our new home, which was a thoughtful way of rounding off a great experience!Response from the ownerThank you for your comments. We hope that you enjoy your new home and look forward to working with you again. VivViv ★★★★★ I highly recommend Marc and his team at MK Mortgages, their support has been absolutely fantastic, exceptionally available to help, explain, sort things for the best resolution. Thank you Marc and Sooz for all your support, I'll definitely use your services again.Response from the ownerThanks Viv, its been a journey but we hope you enjoy your new home. GJ xoGJ xo ★★★★★ Marc was introduced to me by a friend of a friend when I said I needed a mortgage under quite difficult circumstances. He turned this around for me, kept me updated and got things done quickly. Even got me a good deal when I was lucky to get a mortgage let alone a good deal! I would’nt go anywhere else. Thanks so muchResponse from the ownerHi, thank you for the kind words and it was a pleasure to help you. Enjoy the new home! craig richardscraig richards ★★★★★ Fantastic experience – Marc and Sooz have been outstanding from start to finish in helping guide me through the complex process of finding a suitable mortgage for a first-time buyer. Marc even helped guide me on what best/worst attributes to look out for when house hunting, and what kind of offers should be pitched to the vendors in the current market.Other additional services such as mortgage cover were offered, but never pushed – which I appreciated.Very easy to deal with and get in contact with when needed, professional at all times - Highly recommend MK Mortgages .Response from the ownerHi Craig, thank you very much for this brilliant review. it was great to help you and we look forward to working with you again in the future. Jamie GoldingJamie Golding ★★★★★ Having known Marc for a few years now and seen the impressive work that he does on behalf of other clients, when it came to renew our mortgage we didn’t look any further than MK Mortgages. Marc was brilliant at putting giving us choices in a clear and concise manner and just made the whole daunting process so simple and easy to deal with. I always felt that the advice Marc was giving us was the best we could have received and when we eventually have to move and organise another mortgage there isn’t anyone else I would turn to. Thanks again Marc (and the team), I couldn’t recommend you highly enough!Response from the ownerHi Jamie, thank you for the review and it was great to help you both with your mortgage. Charlie DayCharlie Day ★★★★★ Brilliant service from start to finish from all the team. MK Mortgages make a complex situation simple and work together with you to get the best outcome, highly recommended.Response from the ownerThank you Charlie, always a pleasure to help you. Jackson FamJackson Fam ★★★★★ Amazing service and no fees!!Marc and the team have been absolutely amazing guiding us through the process of re-mortgaging our own home and also securing a buy to let property. They really take the time to get to know you like with a full consultation process which they don’t charge a penny for. As their fee comes direct from the mortgage company once everything has gone through, they are really invested in delivering the right product for you and your personal situation.As a result of the consultation phase Marc gets you to think about your 2,5, 10yr plans and then tailors the product selection offered to you around your goals (e.g. if you need to release equity in 3 years to fund a wedding he won’t tie you into a 5yr mortgage). It can all be a little bit daunting but Marc really takes the time to explain the jargon and if things aren’t entirely straight forward he’ll have a Plan B ready for you. I absolutely would not go anywhere else and cannot recommend MK Mortgages highly enough.Response from the ownerHi Jackson Fam! Thank you for this glowing review, means a lot to receive these comments. Dom WilsonDom Wilson ★★★★★ Marc, Sooz and the whole team where 100% fantastic. Great communicators, Extremely clear and very patient with all my questions. Would definitely reccomend.Response from the ownerHi Dom, thank you for the brilliant review and great news that you have now completed. James SimmonsJames Simmons ★★★★★ Great service from Marc and Sooz. I don’t think I waited more than 10 mins before an email was replied to and Marc answers the phone every time. Marc also worked very hard to find a product that two other brokers could not find as our situation was difficult due to our salaries being heavily commission based. Highly recommendResponse from the ownerThank you James. Always a pleasure to help you both. Amanda ThomasAmanda Thomas ★★★★★ Fantastic service from Marc & his team. I find anything to do with financials quite stressful, Marc made me feel completely at ease. Marc is very knowledgeable and his focus is finding the right deal for you. His team are uber efficient and a pleasure to deal with, I would not hesitate in recommending MK Mortgages.Response from the ownerThank you Amanda, hope you and the boys are well. Andy WertheimAndy Wertheim ★★★★★ I rarely post reviews on service companies or products, but MK Mortgages undoubtedly deserve a 5-star rating - especially Marc Kavanagh himself and Sooz Trotter!They flawlessly combine exceptional customer service, thorough knowledge and awareness of the market, and always go "above and beyond" the call of duty, even when it's not their job to do so.Moving house is stressful enough as it is, so anyone who can help alleviate some of the angst and make you feel less isolated deserves to be recognised.MK Mortgages is most definitely one of those companies!Response from the ownerThank you Andy, really appreciate your comments. js_loader

Non-fee charging mortgage advice

Where is the catch?

Mortgage advisers predominantly earn their living from the institutions that lend you the money in the form of an introductory fee. This is on top of what you give them as a fee for advice.

MK Mortgages is different. I believe you have enough to pay for when purchasing a property and so I don’t charge you for any mortgage advice.

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Contact me today for a no-nonsense approach to mortgage advice