Specialist property finance and insurance for people who are ready to do something more ambitious. We're the firm people come to when they're ready to move forward, or when they've been told no somewhere else.
Quick checks that qualify your situation and give you a personalised result before you speak to an adviser.
We are The Mortgage Consultancy. A directly authorised specialist property finance and insurance brokerage, founded over 25 years ago on a simple belief: that good advice should be clear, strategic, and built around what you're actually trying to achieve.
Complex income. Complex deals. Complex structures. This is where we do our best work. Whether your situation is straightforward or anything but, if you want advice that's genuinely tailored to you, not a system that processes you, you're in the right place.
Funding the deal, building the long-term plan, and protecting what matters. Inseparable, in our view.
Specialist finance for deals that don't fit a standard box: bridging, development, commercial, complex residential. We find the route through.
Explore funding options →Property isn't just an asset. For the right people, it's a long-term wealth strategy. We work with clients who want to grow portfolios, replace their income and build the kind of financial freedom that looks different for everyone. We're in this for the long term, not just the transaction.
Start building →What you build matters. So does what you stand to lose. We help individuals, families and businesses protect their income, their assets and the people they care about, with insurance and protection advice that's always part of the bigger picture, never an afterthought.
See how we protect →Self-employed, a company director, a contractor. Your income doesn't fit neatly into a lender's box. Ours doesn't have one. We understand exactly how complex income works, and we know how to present your case to the right lender in the right way.
A below-market deal, a property that needs work, a commercial conversion. Bridging, auction finance, development funding. We structure and finance the kinds of deals that most brokers can't navigate, because they don't fit a standard template and they need someone who can see what the deal actually is.
You've heard about buy-to-let. You've wondered about development finance. You're not sure if now is the right moment. We'll help you understand what's actually possible before you commit to anything. The first conversation costs nothing and clarifies everything.
The Mortgage Consultancy was founded over 25 years ago by Peter Vandervennin on a belief that complex clients deserve better than a rushed answer and a declined application.
Hannah Vandervennin, who leads the firm today, came to finance from a background working with people experiencing homelessness, helping them find housing, stability and a path forward. That experience shapes everything about how we work. A mortgage isn't just a product. It's security. It's freedom. It's the foundation of what comes next.
Meet the team"My mortgage just recently completed, all of the company staff, especially Roja who was my advisor, were really helpful. She was incredibly responsive and clear in her explanations. Roja made everything feel much less stressful and guided me step by step with great professionalism."
"Team Charlotte, thank you so much for your support and guidance. You made the impossible possible, you moved mountains and found me a mortgage deal. I will always be thankful to you and your team."
"Charlotte was brilliant. Great communication and professionalism. I look forward to working with her in the future."
"We have recently purchased our property and Roja assisted us with the mortgage application. We are very pleased with the service we received. Roja is very honest and extremely helpful!"
"I would highly recommend The Mortgage Consultancy to anyone looking at buying a new property. Roja was recommended to me by a family friend and I'm so grateful for all her support and efforts. I felt supported through the process even after the mortgage stage was completed."
We work with solicitors, estate agents, accountants, IFAs and developers who need a specialist they can trust with their most complex referrals. We handle complex income, unusual structures and time-pressured deals properly, and we protect your reputation in the process.