Mortgage Advice That Puts You First

We’re a trusted mortgage broker offering expert advice. Whether you’re buying, remortgaging, or investing, we’ll find the right deal for you.

Clear, friendly guidance with no jargon or hidden costs – just honest advice to make your mortgage journey simple and stress-free.

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Mortgage advice you can trust
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Mortgage Advice That Works for You.

Straightforward Mortgage Advice

Buying your first home, remortgaging, or investing isn’t always as simple as you’d hope. Every property has its quirks – and every lender has their own rulebook.

That’s where we come in.

At Cloud Mortgages, we keep things simple. Our advisers will:

  • Help first-time buyers step onto the ladder
  • Hopefully find you a better deal when it’s time to remortgage
  • Give landlords and investors expert guidance
  • Search 1000s of mortgage products to match your needs

Whether you’d prefer a face-to-face meeting, a quick phone call, or a video chat from the comfort of your home – we’ll make the process clear, friendly and stress-free.

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Check out our reviews

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Why Choose Us?

Banks? They’ll only show you their own deals.

Comparison sites? Endless lists that don’t tell you the full story.

Our mortgage advice is different. We’re not tied to one lender. We compare 1,000s of mortgage products from over 100 lenders, making us whole of market mortgage brokers. That means we do the leg work to ensure you can focus on the important things.

Friendly, approachable advice – from real people who care about finding the right deal for you.

We’re here to take the stress out of finding the right mortgage. Our advisers combine years of experience with genuine, friendly support – helping homeowners and buyers make confident, informed decisions every day.

A few reasons clients choose us:

  • Years of experience helping UK homeowners
  • 1,000s of mortgages from over 70 lenders
  • Rated Excellent by our customers
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The Mortgage Advice Process

From first chat to moving in, our process keeps everything clear and hassle-free.

1

Speak to a mortgage adviser

Start with a no-obligation chat. We’ll listen to your goals, answer your questions, and outline what’s possible – whether you’re buying your first home, remortgaging, or investing in property.

2

Compare mortgage deals

We’ll search the market to find the most competitive mortgage products from leading UK lenders. You’ll see your best options clearly explained, so you can make an informed choice with confidence.

3

Get your mortgage offer

Once you’re happy with a deal, we’ll manage the application from start to finish – liaising with the lender, solicitor, and any other parties to make the process as smooth as possible.

4

Move in!

When your mortgage is approved, we’ll make sure everything’s ready for completion day. From that first chat to collecting your keys, we’ll be here to support you every step of the way.

Our Mortgage Advice Services

Mortgages don’t have to be complicated. Whether you’re a first-time buyer, a landlord adding to your portfolio, or just looking for a better deal, we’ll help you cut through the jargon and find a mortgage that works for you.

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First-Time Buyer Mortgages

Buying your first home is exciting – but it can also feel overwhelming. Deposit worries, credit checks, government schemes… it’s a lot to take in. We strip out the jargon and explain things clearly. If you’re looking at Help to Buy or Shared Ownership, we’ll walk you through how it works and what you’ll need.

Remortgage Advice

Remortgage Advice

Got a deal that’s about to end? Or maybe you want to raise funds for an extension, or just cut your monthly payments. Remortgaging can do all of that, but picking the wrong product could cost you. We’ll compare the market, check fees, and help you switch smoothly.

Lifetime Mortgages Equity Release

Buy-to-Let Mortgages

Investing in property can be rewarding, but lenders have strict rules for landlords. From rental cover ratios and stress tests to portfolio limits, there’s a lot to think about. We’ll explain everything clearly, compare lenders across the market, and guide you to the right deal – whether it’s your very first investment or you’re adding to an existing portfolio.

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Mortgage & Home Protection

Protecting your home and mortgage is just as important as arranging the loan itself. The right cover gives peace of mind that if the worst happens, you and your family are financially secure. We’ll compare the market for life insurance, critical illness, income protection, and home insurance – and explain your options clearly so you can choose what’s right for you.

Your home may be repossessed if you do not keep up repayments on your mortgage

  • Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
  • You may have to pay an early repayment charge to your existing lender if you remortgage

We compare thousands of mortgage deals from leading UK lenders to find the one that’s right for you.

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Our Expert Mortgage Guides

Browse by topic for step-by-step advice and insights.

Work Out Your Monthly Mortgage Payments

Our monthly mortgage repayment calculator shows how much your mortgage could cost you each month and overall. Enter the amount you’re borrowing, the term length and interest rate, and our calculator will do the rest.

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This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.

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Your consultation, your way – meet in person, by video, or on the phone.

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Latest Insights & Mortgage Tips

Have questions?

Got questions about mortgages? You’re not the only one. Here are some of the things we get asked most often.

Our head office is in Nottingham, and we also have advisers based in Derby, Glasgow, and across the UK.
We help clients nationwide through online appointments, phone consultations, and in-person meetings by arrangement.

That flexibility means you’ll receive expert advice wherever you live – whether you’re buying your first home in Nottingham, remortgaging in Derby, or relocating to another part of the country.
We’re proud to combine a local, personal service with national reach.

Find out which areas we cover.

A mortgage adviser (or broker) is there to make life easier. Instead of you spending days comparing rates and filling in endless forms, we do it all for you.
At Cloud Mortgages, we’ll look at your income, deposit, credit history and goals, then search across a wide range of lenders to find what fits.

The key difference? We’re not tied to any one bank. That means the advice you get is based on what’s right for you – not what a branch happens to offer.

We’ll handle the paperwork, talk to underwriters, and keep things moving until your mortgage offer lands. You just need to focus on the exciting bit: getting the keys.

You don’t have to use a broker – but most people do because it makes the whole process smoother, quicker and less stressful.

We deal with lenders every day, so we know their criteria, quirks and timeframes. We can often get applications placed right first time and save you money along the way.

Going direct to a bank limits your options; using a broker opens them up. It’s also useful if your situation isn’t textbook – maybe you’re self-employed, have complex income or past credit blips.

We compare 1,000s of mortgage products from over 70 lenders, representative of the whole market.

We work with a panel that covers everything from the familiar high-street names to smaller, specialist lenders.
Every lender has its own approach: some are great with first-time buyers, some move fast, others suit more complex situations.

Because we know the landscape, we can match you to the lender most likely to approve your application – saving you time, credit checks and frustration.

The main thing to know is we’re not tied to one lender’s products, so we can look across the market for you.

Read more about Cloud Mortgages.

Quite a lot behind the scenes.
We research lenders, submit applications, chase underwriters, talk to surveyors, handle paperwork and communicate with solicitors – all to keep your case on track.

It’s not just about finding a rate; it’s about managing the process so you don’t have to.
That’s what turns a stressful transaction into a smooth one.

Your initial consultation is completely free – we’ll chat through your plans, check affordability, and see what you could borrow.

If we proceed beyond the initial consultation, a broker fee applies for our advice and arrangement service. Our typical fee is £495. We charge a higher fee for complex mortgages such as Ltd Company Buy to Lets and Adverse Credit Mortgages. Our typical fee is £695. The fee is payable when you receive your mortgage offer and is non-refundable.

See Costs to Consider When Moving Home for an overview of the fees involved in buying or remortgaging.

Yes. Isuna Financial Solutions Limited T/A Cloud Mortgages is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register under firm reference number 788708.  You can check our registration here.

In plain terms: we follow the same strict rules and standards as your bank, but with access to far more lenders. We’ll always explain your options clearly, so you can make decisions with confidence.

Absolutely. Many of our clients prefer a face-to-face chat – and that’s easy to arrange at our Nottingham office.
If you’re further afield (we have advisers in Derby, Glasgow, and elsewhere), we can meet online by video call or handle everything by phone and email.

We’ll work the way that suits you. Some clients like regular updates; others prefer a quick call at key stages. Either way, we’ll keep things simple and stress-free.

Read Timing Your Sale and Purchase Smoothly for how we coordinate everything when you’re moving.

When you first speak to us, we’ll only need a few basic details to get started – your income, deposit, and what kind of property you’re buying.
If you decide to proceed, we’ll carry out a full fact-find, asking about your employment, address history, dependants, and financial commitments.

You’ll also need to provide proof of ID, bank statements, and income evidence (such as payslips or tax returns if self-employed).
Your adviser will explain exactly what’s needed and how to supply it securely.

Once we have everything, we can get your Agreement in Principle almost immediately.

Read Timing Your Sale and Purchase Smoothly for how we coordinate everything when you’re moving.

Don’t panic – it happens more often than you’d think, and it doesn’t mean you can’t get a mortgage.
Applications can be declined for a variety of reasons: missed payments, low credit scores, high existing commitments, or even property-related issues such as construction type or valuation.

The benefit of working with a broker is that we can identify why it was declined and find a lender with criteria that suits your situation better.
We’ll assess your documents, review your credit report, and re-position your application correctly so it has a much stronger chance next time.

Sometimes it’s simply a case of changing the lender; other times we’ll recommend steps to improve your affordability or credit profile before reapplying.

Yes – and we do it all the time.
Missed a payment? Had a default or CCJ? Don’t worry. There are still lenders who’ll consider you, and we know who they are.

Your options will depend on how long ago the issues happened, how serious they were, and what your current situation looks like.
We’ll go through everything with you in plain English, then find a lender who’s open to your circumstances.

We’ve helped many people get approved after being turned down elsewhere – it just takes a little know-how and persistence.

Read our guide: How to Get the Best Remortgage Rate to understand how lenders view credit and what can improve your chances next time.

It varies, but most of our clients receive a mortgage offer within one to two weeks once their documents are submitted.

We’ll first get you an Agreement in Principle as soon as possible, then handle the full application for you.

Some lenders move faster than others, and your case might take longer if valuations or surveys are involved – but we’ll keep you updated at every step.

Using a broker can often shave days off the process, because we know which lenders are currently turning around applications quickly.

See The Step-by-Step Mortgage Process for First-Time Buyers for a detailed timeline.

When your fixed rate comes to an end, your lender automatically moves you onto their Standard Variable Rate (SVR) – which is almost always higher.
That means your payments could rise sharply unless you secure a new deal in advance.

At Cloud Mortgages, we contact our clients around six months before their rate expires to review options. We can compare new deals with your existing lender or explore remortgage offers elsewhere to lock in a better rate.
If rates drop before your new deal starts, most lenders allow you to switch again without penalty – so you’re protected both ways.

It’s also the perfect time to reassess your goals: are you staying put, renovating, or considering moving home? Whatever your plans, we’ll make sure your mortgage continues to work for you.

Yes – we can help you protect your home, income, and family with life insurance, income protection, and critical illness cover.
These policies provide peace of mind that if something unexpected happens, your loved ones and mortgage are protected.

We compare policies from a wide range of UK insurers, explain what’s worth having (and what’s not), and make sure it all fits your budget.
You don’t have to take cover through us, but most people prefer to keep it under one roof.

As with all insurance policies, conditions and exclusions will apply.

The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.

Start with How Much Life Cover Do You Need to Protect Your Mortgage? or What Does Critical Illness Cover Include?.