Face to face, suited to your needs, no obligation




We know that buying your first home can be a daunting prospect. We’re here to guide you through the whole process – from finding the most suitable mortgage deal for you, right through to completion.

First Time Buyer Mortgage Bishops Storttford


Do you want to release some funds for home improvements or consolidate existing debts? It may be better to switch lenders to get a better deal.  If so, we’ll help you find the most suitable lenders and most suitable deals.

Remortgage your home Bishops Stortford


Is it more cost effective to transfer your current deal to the new property or take out new mortgage with a different lender? There are many factors to consider. Contact us today to discuss.

Home Owner Mortgage Advice - The Mortgage Ladder
  • Mr Howard
    "We cannot recommend Neil at the Mortgage Ladder enough. As first time buyers he made the process as simple and easy as possible. He answered any questions we had and was always quick to respond."
    Mr Howard
  • Miss Webb
    "10/10! I can not recommend Neil at the Mortgage Ladder enough. Neil has helped me from the very beginning with my first mortgage & through a number of remortgages across the last 5 years. Every time Neil makes the process clear, efficient, simple and incredibly professional! Neil, thanks so much. Look forward to working with you again on future property purchases!"
    Miss Webb
  • Mr Yarnell
    "As first time buyers the whole process of moving home can be very confusing. However Neil helped us with every step of the process and responded to every question or query we had promptly and professionally. Myself and my partner enjoyed working with Neil and would recommend his service without fault."
    Mr Yarnell

Buy to Let?

A buy-to-let mortgage is typically one where the property to be mortgaged will be let out to tenants.  The criteria differs from a residential mortgage.  Contact us to find out more.

High Net Worth

Many mortgage products have a maximum loan amount (typically £1m). Contact us to discuss your options.


Our philosophy is simple… to offer you the most suitable level of service whilst finding the most suitable mortgage deal for you.  We’ll take care of your mortgage from the first meeting with you right through to completion.  We are not sales people.  We provide no obligation advice that is tailored to our clients needs.

Fixed rate or tracker? Repayment or interest only? What mortgage term? Are there early repayment charges? Can I make overpayments? Shared ownership? Offset mortgages?  These are just some of the options available.  We’ll assess your options and explain the most suitable mortgage solution for you.


There are hundreds of mortgage products available.  However, many people still just go to their bank to get a mortgage.  This drastically limits your options.

At The Mortgage Ladder, we’ll search from a comprehensive range of mortgages across the market to find the most suitable mortgage deal for you.  There’s only one way to find out….put us to the test!


Buying a home is the biggest financial commitment that most of us will make in our lives so it’s highly advisable to protect your home and your family.


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    Think carefully before securing other debts against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

    The FCA does not regulate some forms of buy to let mortgages.

    If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances.

    You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.