Who We Help
We work with all kinds of borrowers across Stoke-on-Trent and Staffordshire. Whatever your situation, we've almost certainly seen it before, and we know which lenders will work with you.
First Time Buyers
Buying your first home in Stoke-on-Trent is more achievable than many people think. With average property prices around £175,000, the area remains one of the most affordable places to buy in the UK. We'll help you understand exactly how much you can borrow, walk you through the full process, and get you a mortgage agreement in principle so you can make offers with confidence.
Remortgages
Coming to the end of your fixed rate? Don't let your lender roll you onto their standard variable rate. We'll compare the whole market to find you a better deal, and take care of all the paperwork. Most remortgage cases complete without you needing to visit a solicitor.
Poor Credit Mortgages
A difficult credit history doesn't have to mean no mortgage. Missed payments, defaults, CCJs, or even a previous bankruptcy don't automatically disqualify you. We work with specialist lenders who assess your full situation, not just a credit score. We'll be honest with you about what's possible and find the most suitable route forward.
Self-Employed and Business Owner Mortgages
Getting a mortgage when you're self-employed or running your own business can feel like climbing a hill. High street banks often struggle to understand accounts, complex income structures, or directors' pay. We've helped hundreds of business owners and sole traders secure the mortgage they deserve. We know exactly which lenders are flexible with income evidence and how to present your case properly.
Buy-to-Let Mortgages
Whether you're a first-time landlord or expanding an existing portfolio, we offer expert buy-to-let mortgage advice across Stoke-on-Trent and Staffordshire. With average private rents in Stoke-on-Trent rising to £708 per month, the local rental market remains strong for landlords. We'll help you find the right product for your strategy.
Why Choose My Simple Mortgage?
We're a local, friendly team of expert advisors based in Newcastle-under-Lyme, serving clients across Stoke-on-Trent and all of Staffordshire. We work with over 90 lenders and 12,000+ mortgage products to find the right deal for your circumstances, not just the easiest one to process.
Access to Over 90 Lenders
We're a whole-of-market broker, which means we're not tied to any single lender. We search across 90+ lenders and 12,000+ mortgage products to find the best deal for your personal circumstances. As a Key Partner of Legal & General Mortgage Club, we also have access to exclusive mortgage rates not available on the high street.
If you’ve had a mortgage before, you know how painful the admin can be. Downloading statements. Emailing payslips. Chasing updates. My Simple Mortgage removes all of that. 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
Trusted by Our Customers
We're proud of our reviews, and we think they tell our story better than we can. Customers consistently highlight our friendly approach, clear communication, and the way we take the stress out of the process.
How It Works
Getting a mortgage through My Simple Mortgage is straightforward. Here's what to expect.
1
Free initial chat
Tell us about your situation, what you're looking to buy or do, and what you're hoping to achieve. No obligation, no credit checks at this stage.
2
Get an instant affordability assessment
We use your real financial data to assess what you can borrow accurately and immediately. No guesswork.
3
We match you with the right lenders
Based on your actual data, real lender criteria, and years of experience, we identify the deals you are most likely to quality for.
4
Apply with expert support
We guide you through the application from start to finish. Most customers are at the application stage within 4 hours of getting in touch.
We're available Monday to Saturday, 8am to 8pm. Call us, drop us a message, or start your application online right now.
Frequently Asked Questions
FCA Regulated
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Response in 24 Hours
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.