No chasing documents.
No guesswork.
Whether you’re buying your first home, remortgaging, or switching to a better rate, we build mortgage advice around your real financial data — so you get decisions you can trust.
Why Do You Need a Mortgage Broker?
Traditional mortgage brokers rely on slow, manual processes. We don't.
✓ Instant affordability checks using Open Banking
✓ Accurate lender matching based on real criteria
✓ Faster approvals with fewer declined applications
✓ Clear advice with no jargon
✓ Secure, FCA-regulated process
The result? Less stress, better rates, and faster progress.
Mortgage Services To Suit Every Stage
How It Works
1
Connect securely via Open Banking
2
Get an instant affordability assessment
3
We match you with suitable mortgage deals
4
Apply with expert support from start to finish
Why Choose My Simple Mortgage?
If you’ve had a mortgage before, you know how painful the admin can be. Downloading statements. Emailing payslips. Chasing updates. Mortgage Rocket removes all of that.
Your information is shared securely and instantly, allowing us to act faster and give lenders confidence in your application. That means smoother progress and better outcomes. This is mortgage advice built for how people actually bank today.
Traditional Brokers
Contact company
Initial chat with broker
Manually download & submit bank statements, payslips
Adviser checks & revises estimates
Advice given, then application submitted
Average time to application: 10 Days
The My Simple Mortgage Way
Connect instantly via Openbanking
Immediate online affordability check (2 minutes)
Quick call to confirm details with adviser
Submit application
How We Support Your Mortgage Application
We take the time to understand your full financial picture — quickly and securely. Open Banking gives us real-time insight into your income, commitments and spending, while our AI highlights potential issues early.
We guide you through every step in plain English, with no jargon. And as your circumstances change, we’re ready to help — whether that’s a new job, growing family, or the right time to remortgage.
Our goal is simple: save you time, save you money, and remove the stress from mortgages.
Frequently Asked Questions
How much does it cost?
We believe in being upfront at every step of the process. So we want to tell you now that all our advice and recommendations are free. We don’t charge to tell you what you need to know. We do charge an application fee if you wish for us to put the mortgage in place for you. This is typically £499, and will never be more than 1.5% of the mortgage loan.
Is it safe?
Yes. We use Apply24, our secure, FCA-compliant platform designed specifically for mortgage applications. Apply24 connects to your bank through regulated Open Banking providers, using bank-level encryption. We never see your bank login details, and access is permission-based — you stay in control and can disconnect at any time. Your data is used solely to assess affordability and progress your mortgage efficiently, safely, and accurately.
What is Open Banking?
Open Banking is a secure way for you to share your financial information directly from your bank with your consent. It replaces the need to upload bank statements and allows us to assess affordability accurately and quickly. It’s faster, safer, and far more reliable than sending documents back and forth.
Do you guarantee a mortgage?
No broker can guarantee a mortgage — the final decision always sits with the lender. What we do guarantee is that we’ll only progress applications that genuinely fit lender criteria, using real affordability data. That dramatically improves your chances and reduces wasted time and disappointment.
I have bad credit, can you help?
Often, yes. Bad credit doesn’t automatically mean no mortgage. We work with a wide range of lenders, including those who specialise in adverse or complex credit histories. By using Open Banking and a detailed assessment upfront, we can tell you what’s possible — and what steps to take if now isn’t quite the right time
Get in touch today!
My Simple Mortgage Ltd T/A My Simple Mortgage is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. My Simple Mortgage Ltd is registered in England and Wales with company number 09275345. Registered office: The Mount, Etruria Road, Newcastle-under-Lyme, Staffordshire, ST5 0SU. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy To Lets.