Online & Telephone-Based Service
We offer all of our clients a thorough and professional service especially when it comes to researching which lenders are the best for your circumstances as well as finding the best mortgage rates for you. We use an array of research tools as well as our own experience to help provide the best service .
We can help you in the following Mortgage areas:
- Mortgages for First Time Buyers
- Home Movers
- Remortgages & Product Transfers
- Right to Buy Mortgage applications
- Contract Workers
- Self Employed Mortgages
- Mortgages for Military Personnel
- Mortgages where there has been a blip in the credit history
- Adverse Credit Mortgages
- Buy to Let for individuals
- Buy to let for Ltd Companies and Offshore Companies
- Let to Buy when buying a new property to live in - let existing home
- Expat Mortgages
- Overseas Borrowers
- Visa Mortgages including Tier 1, Tier 2 & Ancestry Visa
- EU citizens (living and working in the UK) without indefinite leave to remain wanting to buy in UK
- Unusual Property Construction Mortgages
- Second Charge Lending & Bridging Finance
I also take on unusual cases or cases that are hard to place.
I was very skeptical in using online mortgage adviser in the first instance.But everything changed from the moment I spoke with Chris Hall. His approaches were methodological and professional right from the beginning to the point of securing the Mortgage offer.He took his time to explain everything, always available to chat even outside office hours and during holiday.Every step explained in detail and expected documents advised.I will happily recommend him to friends and family as he did a fantastic job for us.Thanks Christopher Hall. More...
Chris at Mortgage Guardian was absolutely brilliant at getting our mortgage . We had to scrape the bottom of the barrel due to some issues,but Chris never gave up . We did complete October . Would definitely recommend Chris More...
Chris is a miracle worker. My husband and I were a tough case - Ancestry visa’s, short UK residency, 60+ and complex situation. From the beginning Chris said he could get us a mortgage and he did. We faced many obstacles and it took a long time. He admitted himself we were one of the most difficult cases he has handled but Chris never gave up. He knows the market like the back of his hand. He is very clear in his communication and spends a long time getting all your information before he begins and he also spends a long time explaining his plan of action and what to expect. He also makes himself available to you almost 24/7 which helped me a few times when I got cold feet and he led me through the maze of the UK mortgage market. It took more than three months and we had one very time consuming detour but in the end it all fell into place in just a few days and he got us a fantastic mortgage at incredible rates and good features. We can’t thank Chris enough for his time and patience. I would highly recommend Chris and we will be going back for our next mortgage with him! More...
I wasn't sure if I could get a mortgage due to my age and type of work I do. Chris gets good reviews, and now I can see why. He puts 110% into whatever he does, and he keeps you informed throughout. I couldn't be more pleased or grateful. Thank you very much Chris for all the hard work you have undertaken on my behalf. It feels like a personal service, and you can't get better than that! More...
Chris has helped me no end. He has always been available, even on his days off. As far as I am concerned, he has worked tirelessly to resolve my problem and I am very graeful to him.
I couldn’t thank Chris enough for what he done for us. It was a light in the end of the tunnel. In a 3 weeks timeline he checked all the options available for us and when we applied for the mortgage we had an offer accepted within 2 weeks. Chris gone beyond our expectations and as he kept us updated of everything throughout the day even when he wasn’t in the office, outside his working hours he would speak to us anytime it was suitable to us and always being positive about our result. I could not recommend him enough. Absolutely chuffed with the outcome of our application which we wouldn’t be able to get without his help. More...
Very good experience. Chris was very informative and answered any questions I asked fully. His communication is very quick and accurate. Would definitely recommend.
Chris has been an absolute pleasure to work with and our mortgage offer is a testament to how well he knows his stuff when it comes to Ancestry Visa holders and the mortgage process. Chris got the balling rolling immediately after our first phone call and talked us through the process in detail so we knew exactly what to expect and the timeframes we would be dealing with. His work throughout has been meticulous, and his knowledge and experience of the real estate industry have been invaluable on a number of occasions. Not only is Chris excellent at his job, but he is also a genuinely nice guy. Chris, we can't thank you enough!Brooke and Ian More...
Chris was a pleasure to deal with, he offers an excellent service, is thorough and helps all the way. He gets the best deals and if I could I would give him 10 stars, top guy and brilliant at his job. I would highly recommend him to everyone More...
Chris is a very experienced mortgage advisor. He is very professional and thorough and he walks you through the whole process of getting a mortgage. He is very knowledge about the market and he will get you the best deal.I think Chris is the best, he is dedicated, committed and passionate about his work and I am very pleased with the top notch service rendered.Thank you Chris! More...
Cris is absolutely amazing morguage adviser he goes above and beyond his duty sorted the morguage out no problem the man in the estate agents failed with all the details Cris new all the details and more you would be foolish to lol elsewhere Thankyou so much
Mortgage guardian has been amazing from the start. He is professional, helpful, and incredibly knowledgeable of the mortgage market. This is clearly explained, and he makes the entire process as smooth as possible. If you are struggling to get a mortgage I would highly recommend Mortgage Guardian, as his experience really helps you to find the product that you need. It is probably the best customer service I have ever experienced, you will definitely be happy if you choose to use his service.Thank you mortgage guardian. More...
What a find! Great service. Chris worked very hard and was extremely efficient. He talked me through all my options and found the best package for my situation. He explained it all really well, was very thorough and made it an exceptionally smooth process. I would highly recommend this company. More...
all i can say is that chris got me the mortgage no bother at all. all good and and pleased with all aspects of the service. highly recommended.
I have no complaints from start to finish. I was provided with a very thorough mortgage service and Chris was very informative and communicative all the way through the process.
good to deal with and very informative felt like I had the best advice I could get.
Great mortgage service. I will definitely be going to him in the future.
Dr Gerry Fordham
I was looking for a Mortgage Broker in the Spalding area after a google search and decided to give Chris a call. He was professional from the start and was very informative during the mortgage process.
From start to finish, Chris has been very professional.
I highly recommend Chris for anyone looking to take on a mortgage.
Chris provided a fantastic service and was with us every step of the way until we all moved into our new house. I had been in a debt management plan and needed to move home. High street banks just turned me down flat. Chris was great and let me know what was what during the process. More...
I needed a mortgage and my circumstances were not the easiest. Chris helped me get the best possible morgage deal for me. Outstanding service and communication throughout .can't rate mortgage guardian highly enough. More...
This guy Chris hall was amazing talked me through the whole experience and made it so simple to understand he was superb and put me on the best deal possible I would recommend him to anyone if I could give more than 5 stars I would to anyone out there reading this get in touch with this guy keep up the good work and thankyou for all help
After speaking with several mortgage advisers I was ready to give up on buying a property but my brother in law suggested I speak with Chris before actually giving up. From what I can tell Chris actually scoured the market looking for a lender who would take me on with my circumstances. My deposit was not that big and I had missed a couple of credit card payments a while back. The mortgage was successfully placed but it was not easy going at all. Thanks for your help Chris....I will be recommending. More...
One is loath to praise an organisation too highly in case you are accused of hyperbole. In this case though it is genuine.
A truly first rate 'customer experience' from start to finish.
My situation was a complex one. Being retired, thinking my days of paying mortgages were long gone I found I needed to help my granddaughter as I could not bear to think of how much money she was paying in rent each month. In addition I am not often to be found in the UK.
Chris was great from the start. He is very clear in what information he needs from you, he is not mealy mouthed. He is brutally honest, although he does wear velvet gloves!! I really appreciate that as I like to know where I stand and what options are open to me.
Chris really does tick all the boxes, clearly he has a deep knowledge of the mortgage market and he does his research on how your individual circumstances affect your chances. I was very impressed with his thoroughness. I doubt he left any stone unturned. A first rate job.
I was presented with a range options and recommendations with reasons for and against. Just what you want! On top of that he is a nice bloke too, easy to do business with.
I also used the solicitor he recommended as my usual one had long since retired. No complaints there, brusque and efficient. Got the job done.
The result of Chris' hard work is one very happy; and richer; grandaughter and as a conseqence I am one very happy grandad. Apparently I have lots of 'cool points' now.
I would certainly use you again if I ever needed a mortgage and, I certainly have no hesitation in recommending your services to all and sundry .
Truly 5 star service from start to finish. Thoroughly professional, I cannot recommend Chris more highly. One of the very few times I have not resented giving money to a financial advisor! My situation was not a simple one. In my sixties, I thought my days of paying off a mortgage ended many years ago. But then I found out how much my granddaughter pays in rent and felt I should step in. I don’t live in the UK and most of the modest wealth I do possess is tied up. My granddaughter has just left university and has no savings only debts but she does have a job. My hopes were not that high when I contacted Chris.I liked Chris because he is thorough and honest and straightforward. There is no “BS”, he tells you things straight, even if it is not what you want to hear. He clearly thinks very strategically and has a huge knowledge of the mortgage market and the various lenders. He was very good in explaining the areas of applying for a mortgage that attracted a cost and so you knew what you were paying for and why. it made the whole thing very transparent and inspired trust.I enjoyed the experience in many ways as it was an education. I liked the fact that I was kept informed at each stage of the process. I liked that options were given along with recommendations; nothing was presented as a fait accompli. It certainly felt like I was in control of each stage. It appeared as if there was no stone unturned and in the end I was delighted, not to say amazed, that he found a small choice of lenders for me. I went with his recommendation and have no regrets. it is a good deal. My trusty solicitor; the inestimable Mrs Rutherford; who had handled all the various house purchases and sales I made over my lifetime had retired and living overseas most of the time I was fairly clueless as to whom to use for the conveyancing. The solicitor he recommended was a good replacement for Mrs R, very competent and efficient. Now that everything is sorted I have one very happy, and less poor, granddaughter and as a consequence I am immensely happy. Thank you Chris for making it so. I wish I could share a glass of the single malt I am promised from her first months savings from not paying exorbitant rent. Cheers mate! More...
Highly recommended!Chris Hall assisted us to obtain a mortgage and did an excellent job. We were not the easiest of clients, as we had recently moved to the UK and were not familiar with the UK mortgage process. We supplied the relevant documentation and information to Chris in random bits, and every time he was very professional and reviewed the information that he had and sent us a list of outstanding information, and when everything was ready he submitted the application and it was accepted without any issues. We would definitely recommend using Chris. More...
We were first time buyers and one of us had adverse credit, not only that but we wanted to buy the property we rented from a family member , it couldn't have been more tricky. Originally we had a bad experience with another mortgage firm and got no where, bad communication and just made us think that we would never be able to get onto the property ladder. That all changed when we was refered to Chris at 1st Call 4 mortgages, he helped a family member of mine. Chris was on the ball to say the least and if it wasn't for his persitence and contacts we would still be renting. Thank You Chris, we could not have done this without you. More...
We have had the most amazing service and customer experience with Chris, I would strongly recommend anyone looking at services around your mortgage to get in touch with him. He was efficient, extremely helpful and we received some of the best customer service we have ever received. Whether we had received the mortgage or not this review would have been the same, but the fact that he also secured the mortgage put the cherry on the top. Use this company and Chris - you will be extremely happy and impressed. Thank you Chris for all the help! More...
Chris assisted me to get a mortgage as a UK ancestry visa holder based in Scotland. Chris was very thorough and worked hard to get the best outcome possible. Chris doggedly pursued issues and overcame as many obstacles as possible. Chris's communication and accessibility were second to none. I very much enjoyed my experience with Chris and will definitely be calling upon his assistance again. The quality of Chris's service was exceptional and stands out as one of the best l have ever experienced, if not the best. More...
From start to finish, Chris has been quite simply fantastic!He played a major part in helping me secure a mortgage over a short period of time given my challenging residential circumstances. Having lived in the UK for only 10 months and on an Ancestral visa, Chris was able to successfully navigate me through my mortgage application in a hassle free and professional manner. His sound advice (including how to build a good credit score) coupled with excellent communication skills, made it a pleasure to work with him. In summary, I highly recommend Chris for anyone looking to take on a mortgage, particularly if you find yourself in a similar situation to mine. More...
chirs was very friendly and found a product for me.
After speaking with a couple of advisers about obtaining a mortgage while on an ancestry visa, I was advised that I would need over a 25% deposit or that I would have difficulty even getting one. After finding Chris on line, I found he was a wealth of knowledge having specialist advice on acquiring this type of mortgage. Chris was always easy to get in contact with and was even willing to make out of hours calls to fit in with my work schedule. He managed to obtain me a mortgage without any problem and even with a lower deposit than I had previously been advised.If we should need a mortgage again I will defiantly be giving Chris a call. I can confidently recommend him for anyone looking for a mortgage advisor and particularly those on a ancestry visa or similar.Alexis More...
Chris has been fantastic from day one. As a portfolio landlord you have complex and demanding needs however Chris not only effectively demonstrated his great knowledge in sourcing the right mortgages for the right scenarios for me but did it impressively speedily. I have dealt with several mortgage advisers and can confidently say Chris is up there at the top with his work ethic and commitment and genuine interest and passion in his clients cases. More...
After speaking to a couple of advisors I didn't get very far as I am a New Zealander on an ancestry visa. They said they would be able to help me out but none was forthcoming. This is why I couldn't believe my luck when I found Chris from Mortgage Guardian after a quick google search.I never once had to chase Chris for an update. His knowledge is so extensive I knew right away I'd be in good hands and he went above and beyond to help me. He would take a call from me any time of day and explained everything to me in laymans terms so I could completely understand the process. I’m a busy guy and he always fit me in whenever it suited me to catch up. At no point during our dealings did I ever feel that I was not talking to the right person. I can't recommend Chris enough. His patience, diligence and hard work ensured I got on the property ladder in a very timely manner. I will definitely be going straight to Chris next time around and I'll be sure to save any of my friends time by saying just contact Chris at Mortgage GuardianHe made what would ordinarily be a stressful time very easy!David More...
Very Good Experience...Would highly recommend to anyone needing a mortgage... Chris