Connecting you to the right finance

94 Mortgages are professional, quality mortgage advisers who cover the whole of the UK. We can search the whole of the market to find the most suitable mortgage for you based on your individual circumstances.

The 94 Mortgages process

We offer a modern approach to mortgage advice, in that we can deal with the entire process from start to finish via phone and email, there is no need for long intrusive face-to-face sales appointments with us.



Fill in your details

Speak to an expert

We connect you to the right finance



Do you qualify for a mortgage?

Try our mortgage calculator today to see!

Why choose 94 Mortgages?

Checking Eligibility

We're specialist mortgage brokers with experience in facilitating mortgages for people of all backgrounds.

We discuss what is important to you, as we understand that everyone has different requirements - then we can compare the mortgage market to find the best deal that is right for you.

We can offer tailored advice from experts who have access to the whole of market.

Finding your Property

We can get you a decision in principle quickly so that you don’t lose the property you've found.

If necessary, we can liaise with estate agents for any paperwork they may require from the mortgage advisors.

Getting your Property

We have a great in-house team to work alongside your advisor and solicitor to make things run smoothly throughout the mortgage process.

We'll assist alongside insurers - from personal insurance to house insurance - to guarantee that you’re protected when you finally get your keys!

Get in touch today to see how we can help.

    Customer Testimonials

    Hear what some of our customers have to say about us.


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    "Very professional service and very knowledgeable"

    We have used Kane for a long time and we wouldn't use anyone else. Very professional service and very knowledgeable. 5 star service as always, makes the house buying process so smooth.

    - Max Chetwyn

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    "Kane provided a top rate service from beginning to end"

    Kane provided a top rate service from beginning to end. Nothing was too much trouble. Communication was excellent and I cannot find any faults with this service whatsoever. I would and have highly recommended Kane and his services to everyone I know and would come straight back to him in the future.

    - Emma Day

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    "Incredibly helpful, efficient and timely"

    I highly recommend Kane! Incredibly helpful, efficient and timely. Kane kept us up to date constantly, never rushed off the phone and always had time to answer questions. I have spoken to many mortgage advisors and never to anyone with such a personal approach and a clear desire to genuinely help.

    - Nancy Medland

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    "I can’t recommend Kane enough for a fast and reliable service"

    Look no further! I can’t recommend Kane enough for a fast and reliable service. I can highly recommend. Thank you for all your help in helping us achieve our mortgage!

    - Kathryn Helm

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    "This was my 2nd mortgage with him. I would not go to anyone else"

    Kane provided clear guidance from start to finish. His communication was consistent and he was easy to reach. This was my 2nd mortgage with him. I would not go to anyone else.

    - Joseph Thomas

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    "Good value with outstanding customer service"

    Good value with outstanding customer service. They guided me and my partner to the best solution based on the information we gave them. Myself and my partner would come back for a remortgage in the future. Highly Recommend.

    - Lucy Taylor





    Whole of market

    If you're self-employed or have had bad credit of any kind, it can be more difficult obtaining a mortgage. Thankfully, at 94 Mortgages, we have access to the whole-of-market, so we can place you in front of a lender than can help you in finding your new home - no matter your circumstance.

    Knowledge

    Our specialist brokers have a wealth of experience in acquiring mortgages for people of all backgrounds. We can help you find the best deal on a mortgage, even if you have a poor credit history. Our brokers work with a wide range of lenders, so we can find the best deal for your specific needs. We also have access to specialist products that are not available to the general public.

    Professional

    Our friendly team will work with you throughout the whole mortgage acquisition process. We understand that finding the right mortgage for your needs can be overwhelming, so we’re here to help!

    If you have any questions at all, please don’t hesitate to contact us. We look forward to hearing from you soon.

    Who are 94 mortgages?

    94 Mortgages is a specialist mortgage and protection brokerage. We provide award winning advice and have access to the whole of the market, as opposed to some brokers who only have access to a limited panel of lenders. We also have access to certain mortgage products from high street lenders that are exclusive to mortgage brokers, and also to some lenders that do not deal directly with the public.

    Frequently asked questions

    Can I Get a Mortgage with Bad Credit?

    It is possible to obtain a mortgage with bad credit, although you will almost certainly pay greater interest rates and may be required to put down a larger deposit. These are called subprime mortgages, adverse credit mortgages, or bad credit mortgages.

    What can Cause Poor Credit History?

    There are many potential causes of poor credit score, including missed payments, maxed-out credit cards, and high levels of debt. Other factors such as filing for bankruptcy or having a CCJ can also damage your credit score.

    How can I Improve My Credit Score?

    There are several things you can do to improve your credit score. One is to make sure that you always pay your bills on time. You should also try to keep your credit card balances low, and don't apply for too many cards at once. You can also get a copy of your credit report and check it for errors.

    What are the Consequences of Having Bad Credit?

    Bad credit can lead to a higher interest rate on a mortgage, and it may be more difficult to get approved for a mortgage at all. Additionally, a bad credit score could lead to having to pay a higher down payment on a home.

    Can I Get a Mortgage if I'm a Company Director with Bad Credit?

    We can assist you in obtaining a mortgage if you have bad credit but keep in mind that your application's chances of success will be affected by your other circumstances, such as age, income, and deposit amount.

    Can a Limited Company Director Get a Mortgage?

    Yes. Limited Company Directors often ask for our help with mortgages and understanding how to locate a lender, get a Limited Company Director mortgage based on retained earnings, and whether bad credit will prevent them from being accepted by UK banks or lenders.

    What is the Eligibility Criteria for a Company Director Mortgage?

    There are many self-employed mortgage lenders in the United Kingdom, each with their own set of requirements that banks require company directors to satisfy before authorising an application.

    Some lenders provide products specifically suited to limited company directors, and most will only extend credit to limited company directors who have been in business for two years.

    Business Mortgages

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    Business Mortgages

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    Lorem ipsum dolor sit amet consectetur adipisicing elit. Suscipit, eius, voluptates tempore cum sequi laudantium voluptatibus unde ut quidem, dolores mollitia. Possimus soluta nemo repudiandae?




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    Business Mortgages

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    Lorem ipsum dolor sit amet consectetur adipisicing elit. Suscipit, eius, voluptates tempore cum sequi laudantium voluptatibus unde ut quidem, dolores mollitia. Possimus soluta nemo repudiandae?




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