Find the right mortgage today, with ongoing advice and support to keep it right for the future.
Long-term Mortgage Management
Independent Whole of Market Advice
No Subscription or Advice Fees
Access to 120+ Lenders, comparing thousands of mortgage options
✓ No Obligation Conversation
✓ Independant and FCA Regulated
✓ Whole-of-Market Access
Running a home is expensive enough
Our advice & service to you is free
Have you ever had your Mortgage Managed?
'One less thing to worry about'
FCA Regulated
Whole of Market Access
No Advice Fees
Fully Independent
We're here for your situation
If you identified with any of the situations above, now could be a good time to review your mortgage.
✓ No Obligation Conversation
✓ Independant and FCA Regulated
✓ Whole-of-Market Access
Which describes you best
Every homeowner's mortgage journey is different.
Ready to review your mortgage?
My fixed rate is ending soon
Your lender will move you onto their Standard Variable Rate (SVR) when it ends, usually a much higher interest rate.
We can review your options before that happens.
My mortgage payments have increased
Many homeowners end up paying SVR without realising it.
A quick review could tell you whether you're paying more than you need to.
I haven't reviewed my mortgage in a while
If it's been more than a year or two, your circumstances or the market may have changed.
A mortgage review takes the guesswork out of it.
Something in your life has shifted
A new job, a growing family or retirement planning.
Maybe you want to release some capital to fund some home renovations or consolidate debts.
Reduce The Risk Of Overpaying
Book your free, no-obligation mortgage review and find out exactly where you stand, with a whole-of-market adviser keeping an eye on things for you.
✓ No Obligation Conversation
✓ Independant and FCA Regulated
✓ Whole-of-Market Access
What management looks like
Your mortgage may have been suitable when you first arranged it, but that doesn't necessarily mean it's still the right fit today.
Regular reviews help identify whether your current mortgage continues to meet your needs and objectives.
Ready To Take Control Of Your Mortgage?
Stay In Control Of Your Mortgage
Mortgage rates, lender criteria and personal circumstances can all change over time.
A mortgage review and ongoing support can help you understand your options, prepare for important changes, and make informed decisions about your mortgage with confidence.
Stay Ahead Of Payment Increases
If your fixed-rate deal is coming to an end, understanding your options early can help you prepare for potential payment changes and avoid making important decisions at the last minute.
Never Face Mortgage Decisions Alone
Mortgage decisions can feel complex, particularly when rates are changing or life takes an unexpected turn.
Ongoing support means you have access to professional guidance whenever important mortgage decisions arise.
One Less Thing To Worry About
Knowing where you stand with your mortgage shouldn't depend on chasing your own paperwork or waiting for a renewal letter to arrive.
With ongoing support in place, you can simply get on with life, knowing someone's keeping an eye on things for you.
What happens next?
Option 2:
Product transfer
Option 1:
Do nothing
Option 3:
Whole of market advice
Most mortgage advisers charge a fee each time you remortgage, typically £300 to £600.
As your mortgage comes up for renewal again and again over the years, we'll search the whole market and give you a full recommendation at no cost to you, every single time.
✓ No Obligation Conversation
✓ Independant and FCA Regulated
✓ Whole-of-Market Access
When your fixed rate ends
When your deal ends, most homeowners don't realise they have options, and the default path is often the most expensive one.
Recommended
Your lender automatically moves you onto their Standard Variable Rate (SVR).
This is almost always significantly higher than your fixed rate, and it can change at any time.
Your existing lender will offer you a new deal to stay with them.
It's convenient and avoids the need to reapply, but you're only seeing one lender's rates, and they know you're less likely to move.
A mortgage adviser would search the entire market on your behalf.
Comparing hundreds of deals from dozens of lenders to find the right rate for your circumstances.
This is the option most likely to save you money.
SVR rates are typically 2-4% higher than the best available deals, potentially costing you hundreds more per month.
A product transfer is quick, but it doesn't guarantee you're getting the best rate available in the market.
Most advisers charge a fee for this service, typically £300 to £600.
We don't.
Our independent, whole of market service is completely free, every time.
Don't wait until the last minute
Most lenders allow you to secure a new rate up to 6 months before your current deal ends, meaning you can lock in today's rates without your existing deal being affected.
Starting early gives you more options, more time to compare, and protection against rate rises.
We recommend getting in touch 3 to 6 months before your fixed rate expires.
Free advice, every time your deal ends
How much could you save by remortgaging?
What could you save?
Enter a few details about your current mortgage and we'll show you what switching to a new deal could save you.
Ready to find out what rate you could actually get and how much you could save?
These figures are just a guide, a free whole of market review will give you real rates based on your mortgage, your property, and your circumstances.
No fee, no obligation.
✓ No Obligation Conversation
✓ Independant and FCA Regulated
✓ Whole-of-Market Access
Management and advice that costs you nothing
We believe everyone deserves access to great mortgage advice - not just those who can afford to pay for it.
We're funded by the lenders.
Like all mortgage advice companies, we receive a commission when a mortgage completes. This is standard practice across the industry and allows us to provide our service for free.
Our advice and management is completely free for every customer, everytime.
Our fees
Great mortgage advice shouldn't cost you anything.
We're paid a commission by the lender, so our advice and management is completely free to you, for every remortgage, every time.
No hidden charges, no advice fees, no surprises.
✓ No Obligation Conversation
✓ Independant and FCA Regulated
✓ Whole-of-Market Access
Advice designed around you
No two homeowners are the same.
That's why every recommendation we make is tailored to your circumstances, your priorities, and your long-term plans.
No hidden charges. No advice fees. No surprises.
Expert, personalised advice without paying a penny.
Not all mortgage advice is the same
Your bank can only offer their own products.
Comparison sites offer deals, not advice.
We offer something different.
Why Manage My Mortgage?
✓ No Obligation Conversation
✓ Independant and FCA Regulated
✓ Whole-of-Market Access
Your bank won't search the whole market. A comparison site won't give you advice.
We do both, and we don't charge you for it.
You've seen the difference. Now make it work for you.
Simple. Clear. No surprises.
Book a free, no-obligation consultation and we'll handle everything from there, whole of market research, full recommendation, and long-term mortgage management.
All at no cost to you.
Here's exactly what happens when you reach out - so there's nothing to wonder about.
01
Get in touch
You'll have a brief, no-obligation conversation. We learn about your situation, goals, and current mortgage arrangements.
02
Whole-market research across 120+ Lenders
We search the entire market and identify the most suitable remortgage options for your circumstances.
03
Remortgage with confidence
If you decide to proceed, we manage the full remortgage application for you - no chasing lenders, no guesswork. Just a clear path to a better mortgage.
The process
04
We'll manage your mortgage over the long term
As your mortgage comes up for renewal again and again over the years, we'll search the whole market and give you a full recommendation at no cost to you, every single time.
Step one takes 30 minutes. The savings can last years.
✓ No Obligation Conversation
✓ Independant and FCA Regulated
✓ Whole-of-Market Access
Frequently asked questions
Ready to Review Your Mortgage and Secure a Better Deal?
Book a free, no-obligation consultation and get clear answers about your options.
✓ No Obligation Conversation
✓ Independant and FCA Regulated
✓ Whole-of-Market Access
FCA Regulated
Whole of Market Access
No Advice Fees
Fully Independent
Manage My Mortgage is a trading style of Home Financial Services Ltd, which is an appointed representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority. Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702. Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB. Cornerstone Finance Group Ltd (FCA No. 767202) Home Financial Services Ltd is registered in England and Wales No. 15250542 Registered office: 4 Castleton Court, Fortran Road, St. Mellons, Cardiff, CF3 0LT. Home Financial Services Ltd (FCA No. 1013614) Telephone: 08006800057 Email: enquiries@managemymortgage.uk
We are a credit broker, not a lender. We are whole of market broker. We may receive commission from the lender and this amount varies between lenders.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
© 2026 Home Financial Services - All Rights Reserved.