Hello Mortgage Limited is a whole of market, fully independent mortgage brokerage based in South Shields. Specialising in buy-to-let advice and residential mortgages, they operate on a genuinely unusual commercial model: all initial advice is free, and they only charge if they successfully arrange a mortgage for the client. Rated 4.8 stars on Trustpilot across 63 reviews.
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Estate agents refer buyers to mortgage brokers dozens of times a year. A broker who gives tied, limited advice, moves slowly or does not keep the agent informed creates a chain that stalls and a client relationship that suffers. The right broker makes your sales process smoother and your clients feel properly served.
A broker tied to one lender or a small panel cannot serve every buyer optimally. Whole of market access means the advice is genuinely tailored to the client's circumstances, not constrained by commercial arrangements.
A mortgage broker who does not communicate proactively with the estate agent delays the sale and creates unnecessary anxiety for the vendor. Good broker relationships include keeping the referring agent informed.
Upfront broker fees create friction at the point of referral. Hello Mortgage's model of free initial advice with fees only charged on completion removes that barrier and improves the referral conversion rate.
Buy-to-let mortgage advice requires specific expertise in rental yield calculations, limited company structures and portfolio landlord criteria. A generalist broker will often not have it.
Hello Mortgage's approach is built around honesty, transparency and putting the client's interests first - which is what makes them a referral partner that reflects well on your agency.
Hello Mortgage is not tied to any lender or restricted to a panel. Their advisers search the full mortgage market for the right product for each client's specific circumstances. The recommendation is genuinely independent.
Initial mortgage advice is completely free. Hello Mortgage only charges a fee if they successfully arrange a mortgage that completes. Clients can ask as many questions as they want, change their mind or withdraw from the process without incurring a cost.
Hello Mortgage specialises in buy-to-let mortgage advice alongside residential mortgages. Landlord clients receive advice that accounts for rental yield requirements, limited company structures and portfolio landlord criteria.
Every Hello Mortgage adviser is fully qualified and regulated. Clients receive advice from professionals who know the market and are accountable for the quality of their recommendations.
Alongside mortgage advice, Hello Mortgage provides holistic advice on non-investment insurance products. Clients who need life cover, income protection or buildings insurance can address those needs in the same relationship.
Hello Mortgage's stated purpose is to provide advice based on honesty, integrity and a clear transparent work ethic. Their 4.8 Trustpilot score across 63 reviews is the evidence that the approach holds up in practice.
Hello Mortgage's referral process is designed to make the estate agent's job easier, not harder. Communication is proactive and the client experience reflects well on the referring agent.
Introduce your buyer to Hello Mortgage. The process is simple - a warm introduction by phone, email or through your preferred referral channel. Hello Mortgage takes it from there.
Hello Mortgage conducts a free initial fact-find with the buyer. They assess income, outgoings, credit position, deposit source and the specific requirements of the purchase. No charge at this stage regardless of outcome.
Advisers search the full mortgage market for the most appropriate product for this specific buyer. The recommendation is presented clearly with the reasoning explained.
Hello Mortgage submits the mortgage application and manages the lender relationship through the process. They chase for decisions, resolve queries and keep both the buyer and the referring agent informed.
At completion, Hello Mortgage's fee is charged. The client has paid nothing up to this point for any advice, searches or application work. Post-completion, Hello Mortgage maintains the client relationship for future needs.
Hello Mortgage works with estate agents who want to refer buyers and landlord clients to a trusted, whole-of-market independent broker. Kerfuffle members get a personal introduction and clear referral arrangements from the first conversation.
Standard route
Off-the-shelf pricing
Your terms, reviewed before you commit
Hello Mortgage's referral arrangements are agreed directly with each agency. Book a call through Kerfuffle and the team will outline how the referral process works and what your clients can expect.
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If you want a mortgage partner who will treat your referred clients as well as you treat them, start with a conversation.
Talk to the Hello Mortgage team about your buyer and landlord client volumes, what your current mortgage referral arrangement looks like and how a whole-of-market relationship would work.
Book a Zoom with Kerfuffle →Hello Mortgage Limited is a whole of market, fully independent mortgage brokerage based in South Shields, covering clients across the UK. Specialising in buy-to-let and residential mortgages, they operate on a no-completion, no-fee model that reflects their confidence in the quality of their advice. Their Trustpilot score of 4.8 across 63 reviews and 5.0 on Kerfuffle reflects the consistency of that approach.
PropTech That Pays Back is a Kerfuffle initiative that rewards estate agents with kredits when they actively use the tools they invest in. See which suppliers are registered, check eligibility for Hello Mortgage Limited, and start earning back on your subscriptions.
Hello Mortgage gives whole of market independent advice with no charge until completion. Talk to the team through Kerfuffle.
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