About UK Mortgage Broker · FCA 796413
A Mortgage Broker That Picks Up the Phone and Stays on the Case
UK Mortgage Broker is the residential and buy-to-let side of Commercial Finance Network, a whole-of-market brokerage arranging UK property finance since 2017. You get a named adviser, a named case manager and a direct line to both.
Why This Brokerage Exists
Most people who call us have already tried a bank. The answer was no, or the rate looked odd, and there was no way to tell whether the problem was their application or that one lender's rulebook. Sorting out which it was, before another credit search gets used up, is the reason brokers exist.
Commercial Finance Network opened in 2017. Its founder, Daniel Yorke, had run a property portfolio for several years and found the service he got from mortgage brokers poor enough to want to do it properly himself. Business clients then began asking whether the same team could arrange their own home or the next rental, and UK Mortgage Broker grew out of those requests.
The advisers work from Marlow in Buckinghamshire and speak to clients all over the UK by phone and video. Homebuyers, movers, landlords and the self-employed make up most of the diary, and you can see the wider group behind us on the UK Mortgage Broker homepage.
Who We Advise
Six situations account for nearly all of our work. Pick the closest match and the page behind it sets out how lenders treat that kind of borrower.
First-time buyers
Deposit schemes, affordability checks and the steps between offer and keys.
First-time buyer mortgages →Self-employed and contractors
Accounts, day rates and dividends read the way a lender's underwriter reads them.
Self-employed mortgages →Past credit problems
Defaults, CCJs and missed payments, and which lenders will still lend.
Bad credit mortgages →What “Whole of Market” Means When Someone Is Waiting on an Answer
It means no short list of favoured lenders and no pressure to use one. The panel runs from high street banks through building societies to specialist lenders, and the lender you choose pays us commission once the mortgage completes. We tell you how much, and how it works, before you commit to anything.
Width matters because every lender holds its own view on income types, deposit sources, property types and credit history. One applicant can be an easy yes at one desk and a firm no at the next. Knowing which desk is which, this month, is most of the job.
From First Call to Completion
A conversation, not a form
Call us or ask for a call back. We ask about income, deposit, outgoings and the property, then say plainly what looks achievable.
A short list you can defend
The market is narrowed to the lenders whose criteria suit your file, with the trade-offs between rate, fees and flexibility set out.
One application, put together properly
Documents are checked against what an underwriter will ask for, so most questions are answered before they are asked.
Valuation and offer
Your case manager books the valuation, chases the lender and keeps the solicitor moving. A full offer commonly lands two to four weeks after the decision in principle.
Completion
The solicitor releases the funds and the keys change hands. The file stays with us, so a later remortgage starts from a position we already know.
Updates Without Having to Chase
Each case runs through WiiN, short for Where Is It Now, our client portal. Log in and you can see which stage the application has reached and which document, if any, is still outstanding. An email reaches you whenever something needs a signature or a fresh bank statement.
Software only goes so far, of course. Behind the portal sits a case manager who answers the phone, and that is the part clients mention in their reviews.
The People Behind the Phone
Daniel Yorke, Founder
Daniel spent the years from the late 1990s to 2015 on the technology side of UK financial services, selling to and consulting for banks and insurers. A property portfolio of his own ran alongside that work, and being on the receiving end of broker service during those years is what led him to open his own brokerage in 2017.
Advisers and case managers
Each client is paired with an adviser and a case manager. Our advisers hold the CeMAP qualification, and between them they cover residential, buy-to-let, complex income and adverse credit cases, so your file goes to someone who handles that type of borrower every week.
Advice Across the UK
Local pages set out what lenders look for in each market.
Also useful
Regulation and Remuneration
UK Mortgage Broker is a trading style of Commercial Finance Network Corporation Ltd, directly authorised and regulated by the Financial Conduct Authority under firm reference 796413. We are a broker and not a lender, and we receive commission from the lenders we place business with.
About Us FAQs
Who is behind UK Mortgage Broker?
UK Mortgage Broker is a trading style of Commercial Finance Network Corporation Ltd, founded in 2017 by Daniel Yorke.
The brokerage is directly authorised and regulated by the Financial Conduct Authority, firm reference 796413. Advisers work from Marlow in Buckinghamshire and speak to clients throughout the UK by phone and video.
Is UK Mortgage Broker only for first-time buyers?
Not at all, and first-time buyers are just one group among several.
Home movers, remortgagers, landlords, limited companies, the self-employed and borrowers with a patchy credit record all use us.
Will I speak to the same person throughout?
You will have a named adviser and a named case manager from first call to completion.
Both give you their direct line, so a question never ends up in a queue.
How does UK Mortgage Broker get paid?
Lenders pay us a commission when your mortgage completes.
Different lenders pay different amounts, so we explain how our commission works, and any fee, before you commit. The first consultation costs nothing.
Can you help if a bank has already turned me down?
Often, because a refusal only reflects one lender’s rulebook.
We look at why the application failed and match the file to lenders whose criteria suit it. Where a decline has left a mark on your credit file, we explain how that changes what is on offer.
Ten Minutes on the Phone Is Usually Enough to Know Where You Stand
Call: +44 1628 969 500Email: info@uk-mortgagebroker.co.uk
UK Mortgage Broker is a whole-of-market broker helping clients throughout the UK and globally to secure funding on UK property. We are directly authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.