Your Mortgage, Our Mission
From first homes to business ventures, we make mortgages happen. Whether you’re in the market for a residential or commercial deal, the My Mortgage Planner team are here to help.
Planning your next move? Trust our brokers to get things right. With dedicated services for everything from first-time buying and shared ownership to remortgaging, buy-to-let, and beyond, the keys to your new home are well within reach.
Whether you’re an individual eyeing a property investment or a business poised for growth, MMP Commercial has your back. From new property purchases and bridging loans to future development plans, we’re here to guide and support you every step of the way.
Protect yourself, your loved ones, and your home with our range of mortgage protection options. From life insurance to critical illness coverage and income protection, we’ve got life’s twists and turns fully covered.
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Why Choose My Mortgage Planner?
At My Mortgage Planner, we don’t just find mortgage deals – we help make buying dreams a reality. Discover why we’ve become one of Ipswich’s favourite mortgage brokers:
Looking for expert advice? We’re leaders in our field, and have the knowledge, experience, and results to prove it.
Find the best possible deal for your needs. Unlock a clear, full view of everything the market has to offer with our unbiased guidance.
No jargon here! Our simple, stress-free, and straightforward approach to broking delivers a better way to buy.
All Applicants Welcome
No matter how big or small, we’ll stand by your application, delivering success and savings from start to finish.
People are at the heart of everything we do. If you’re looking for a local broker that genuinely cares about you and your journey, you’re in the right place.
Above and Beyond
Nothing is ever enough here at My Mortgage Planner. From free advice to closing and beyond, we’re devoted to you, going the extra mile to secure the best possible results.
Since 2012, we’ve helped hundreds of people like you across Ipswich and Suffolk make their home and business dreams come true.
“Prompt, clear communication”
Pete and Gemma at My Mortgage Planner are fantastic. Prompt, clear communication taking the hassle and stress out of re-mortgaging; Thanks both! We are returning customers and will continue to use Pete and recommend to friends.
“Highly recommended to many friends”
Had the pleasure of Pete as our mortgage adviser, was very informative and bent over backwards to help us find the right product. Never felt pushed into anything and if there was anything we were unsure about was always on hand to discuss it through.
“Will definitely be using them again”
Really lovely experience with My Mortgage Planner. Pete & Gemma were super friendly and always on hand if we had any questions. Will definitely be using them again when it’s time to remortgage.
“Would highly recommend”
Pete and Gemma were wonderful in helping towards the success of my mortgage. I was in a unique circumstance but they were able to work with it to secure the mortgage. Always answered my questions and always friendly. Great customers service, would highly recommend.
“Friendly, personal, trustworthy”
Pete has been professional, polite, patient and has provided thorough support over a number of months during the recent mortgage rate crisis. I would highly recommend his services to anyone needing a friendly, personal, trustworthy mortgage adviser. Thanks Pete.
“Couldn’t be happier”
My Mortgage Planner are great, found us a great deal and helped every step of the way! Was very worried about the whole process as we are first time buyers but Pete and Gemma done us a great service. Will definitely go back if ever need anything again. Couldn’t be happier with the service they provided.
Your Mortgage Journey
Ready to get started? Your property plans begin here. Dive into your mortgage journey step-by-step, from start to finish:
Get in Touch
Start by sharing your details in our contact form. Or, if you prefer a chat, call us for obligation-free advice tailored to your mortgage needs.
Join us for a no-cost consultation session either in person or over the phone. Every question, big or small, is a step closer to your mortgage and protection goals.
Select a Service
Choose the service that fits your life best, and we’ll handle the setup. If you’re unsure, don’t worry – our advice comes at no extra cost.
Unlock your Deal
Unlock the market’s best deals with ease. You can trust our brokers to tackle negotiations and paperwork, sealing terms on your behalf.
Get a Free Mortgage Consultation
Let’s talk all things mortgages. Whether you don’t know where to begin, or need assistance with a complex application, our team are here to find the best deal for you. Reach out to us using the contact form below for a free consultation.
Ipswich Mortgage Broker FAQs
Why use a mortgage broker?
A mortgage broker’s expertise can be a huge help to any buyer – whether you’re looking to purchase your first property or remortgage.
The biggest advantage they can offer often comes in the form of their whole-of-market knowledge and searches. Thanks to their status, they’re generally able to source deals not available to individual borrowers on, for example, comparison sites. In addition, their knowledge of the industry and market can help them quickly identify the most suitable options for your financial situation. When it comes to applying for these deals, brokers are well-versed in the complexities of loan criteria and will help ensure your application is successful.
To further this, brokers can handle paperwork and negotiations, and liaise with lenders on your behalf, keeping the process streamlined and stress free.
Who do mortgage brokers work for?
A good mortgage broker should work for you, the borrower. Their top priority is to act as a middleman between you and lenders, helping find the best possible deal for your unique requirements and financial circumstances.
While brokers have connections with a range of lenders, they aren’t employed by them. Instead, their wide network allows them to offer various loan products, which they do independently. It’s important to note that whilst some brokers are compensated with commission provided by lenders, they’re still required to act in your best interest.
How many mortgage brokers should I contact?
When it comes to mortgage advice, quality often outweighs quantity. While there’s no strict rule on the number of brokers you should contact, reaching out to two or three reputable brokers can be a good starting point – offering you enough opportunity to compare service quality, response time, and deals. In addition, you should be able to discover whether or not the broker you’re meeting with is a good personal fit for you.
Be wary of contacting too many brokers, as numerous credit inquiries can potentially impact your credit score.
How long do mortgage brokers take?
How long your mortgage broker will take to find and secure your deal will often depend on several factors – namely the complexity of your mortgage needs, your financial circumstances, and the lending environment at the time.
Their initial assessment of your financial profile and requirements can take anywhere from a few hours to a few days depending on your broker’s process and how many clients they’re working with at the time. At the end of this period, they should be able to present you with a range of mortgage options tailored to you.
Once you’ve selected a mortgage product, the application and approval process begins. This can take anywhere from a few days to several weeks, depending on the lender’s backlog, the thoroughness of documentation, and any unforeseen challenges.
Remember, while brokers expedite the process by liaising with lenders and handling paperwork, they don’t control all aspects. Delays can occur due to appraisal times, title searches, or other external factors.
What are mortgage broker fees?
Mortgage broker fees are charges for the services a broker provides in helping you find and secure a home loan. How much a mortgage broker fee costs and what it covers can vary according to your chosen broker, the complexity of your mortgage, and even your location.
In most cases, mortgage broker fees will be charged in one of three ways; lender-paid compensation (in which the broker receives a commission directly from the lender when the deal is finalised – in this case, the buyer may not pay any fees directly to the broker), borrower paid compensation (in which the buyer pays the broker directly in the form of a flat fee or a percentage of the loan amount), or using a combination of the two.
When should I speak to a mortgage broker?
Most brokers will advise reaching out at the very start of your home buying journey for free advice in order to make sure you start out on the right foot. At this point, they can offer insights into how much you might be able to borrow, giving you a clearer picture of your budget. This can be especially beneficial before house hunting, as it helps narrow down your options and sets realistic expectations. Don’t fret if you’ve already started looking – they’ll also be able to assist if you’re ready to mortgage but need assistance finding a deal.
For those looking to refinance or switch mortgage products, it’s wise to consult a broker well in advance of your current mortgage term ending. They can provide a comprehensive view of the market, ensuring you secure a favourable deal. Moreover, if you’re facing significant financial changes, like a career shift or a major purchase, a broker’s advice can be invaluable in understanding potential mortgage implications.
Is it easier to get a mortgage through a broker?
Seeking the help of a mortgage broker early in your buying journey can make the mortgaging process much easier.
Thanks to their vast knowledge of the mortgage landscape, good brokers will generally be able to filter through the market to find deals tailored to your financial profile and needs more efficiently. In turn, their proposed options are likely to align with your means, leading to increased chances of approval.
Additionally, brokers handle much of the paperwork and liaise with lenders, reducing potential hiccups and ensuring a smoother application process. They’re also adept at navigating complex loan situations, which can be especially beneficial for those with unique financial scenarios.
All of the above can, of course, make getting a mortgage easier – but remember that the ultimate lending decision rests with the mortgage provider.
Why are mortgage brokers better than banks?
Mortgage brokers aren’t necessarily better than banks. Which of these two options is best for you is completely based on your individual preferences and needs.
Mortgage brokers offer the benefit of variety. With an ability to search the entire market for deals and no ties to any specific lenders, they’re often the best way for homeowners to get unbiased insight into their options, alongside the flexibility to find terms and rates that best fit their needs. Brokers also provide a personalised service, tailoring their search based on the borrower’s financial situation and preferences.
Banks, on the other hand, can offer the familiarity of an existing banking relationship, potential discounts for current customers, and the convenience of consolidating financial services.
Both options have their merits, and the final decision often boils down to personal preference and priorities.
What is a mortgage broker?
Mortgage brokers, officially, are licensed professionals who act as middlemen between borrowers/prospective homeowners like you, and mortgage lenders.
Their main role in the homebuying journey is to find and secure a mortgage deal in line with your financial situation, preferences, and goals. After an initial consultation or advice session, a broker will typically search the market to find a mortgage product that aligns best with your needs. Because they have access to a wide array of lenders and loan products, they can often secure better terms than those you might be able to find on, for example, public comparison websites.
Brokers are one of the best ways to both find a good deal for your circumstances and make sure every part of your journey is completed correctly – they’ll often handle the paperwork needed to secure your mortgage and home on your behalf.
What is a mortgage?
A mortgage is, put simply, a large loan used to purchase property. When you take out a mortgage, a lender (whether a bank or building society) will provide you with most of the funds you need to purchase a home or commercial building. In exchange, you’ll agree to repay the amount borrowed plus interest) over a predetermined period of time – usually 15 to 30 years. The property you purchase will act as collateral – meaning that if you default, the lender can take ownership of it.
Mortgages come in a wide variety of forms. There are many products on the market for everyone from first-time to self-employed buyers, each with their own terms and interest rates.