The first step we recommend is getting in touch with a mortgage advisor—ideally, a broker like BE Mortgaged. We’ll assess which lenders are suitable for your situation and accurately determine how much you can borrow. By running the numbers, We can give you a clear picture of where you stand and identify if any actions are needed on your part.
Once that’s done, we’ll have a clear understanding of what's achievable, and you'll receive an AIP/DIP/MIP (Agreement in Principle, Decision in Principle, or Mortgage in Principle). This puts you in a strong position to view homes, knowing you can confidently make an offer when you find the right one, with a clear idea of what comes next.Whether you're looking to remortgage your residential property or a buy-to-let, we're here to help. Many people choose to remortgage with their current lender, but this isn’t always the best option. We’ll help you review all available options to ensure you’re making the most beneficial decision for your situation.
Clients may save by finding alternative lenders offering better deals based on their individual circumstances, or by shortening their mortgage term to become mortgage-free sooner.
You may have to pay an early repayment charge to your existing lender if you remortgage.Sometimes in life, you need or want extra funds—whether it’s to invest in a buy-to-let property or to finance a home renovation. Whatever the reason, we're here to assist. We’ll explore the possibilities based on your personal circumstances and determine the best approach to achieve your goals.
Together, we’ll calculate how much you can borrow, what it will cost, and the most effective way to reach your desired outcome. Get in touch to learn more.

Qualify Your Needs.
Establish Affordability.
Obtain you a suitable Agreement in Principle (AIP).
Does your home need selling?
Are you ready to view?
Find the right property for you.
Have you thought about conveyancing?
Get all your documents in order.
Re-visit our initial consultation to determine who is the right lender for you.
Get you accurate rates and costs for everything, ready for you to make an informed decision.
Thoroughly explore insurance options to ensure you can make an informed decision about the policies that are most suitable to protect you and your family.
Examine any existing policies you have and take them into account.
Apply for your mortgage by submitting all necessary documents to the lender to ensure a prompt decision.
Your chosen lender will value your property as per Basic, Homebuyers or a Full Structural Valuation.
Your chosen lender has offered you a mortgage offer, what's next?
Both you and the seller are legally obligated to complete the sale/purchase of the property.
You receive the keys.
All funds are sent and directed to where they need to be.
If you find yourself needing a re-mortgage or a similar service in the future, we hope you had a positive experience the first time. Rest assured, we’ll be here to assist you again.
EXCELLENT Based on 15 reviews Posted on shivam modhwadiaTrustindex verifies that the original source of the review is Google. Excellent customer service helped me secure our house mortgage and always was fast to respond to any enquiries highly recommendPosted on Zkia SheikhTrustindex verifies that the original source of the review is Google. Absolutely amazing experience from start to finish. I couldn’t recommend any other business to have handled my mortgage process for me! Highly recommend with fast and efficient service! Great communication and looking forward to work with you again in the future very reliable and got the job done in a timely manner!Posted on Safaa AhmadTrustindex verifies that the original source of the review is Google. Bilal was our mortgage broker and he helped us so much and guided us through the process step by step. He helped with arranging our mortgage and assisting us with the legal side with the solicitors. Bilal was very kind and explained everything really well. I highly recommend this company for a good, quality process!Posted on Vishal BTrustindex verifies that the original source of the review is Google. Words truly fall short in describing how outstanding BE Mortgaged are. I had the pleasure of working with Bilaal, who was exceptional from beginning to end. We completed in just three weeks, an incredible turnaround time based on my experience! Bilaal was consistently available and supportive throughout the process. He kept me informed with daily updates, which gave me complete confidence. His friendly demeanour, deep knowledge, and unwavering commitment and even taking time to provide updates on weekends really stood out. While I’m sure there are many great brokers out there, Bilaal is truly in a league of his own. If you're looking for a broker, I highly recommend giving him a try. You won’t be disappointed. Keep up the fantastic work, Bilaal — I look forward to working with you again soon!Posted on Joe Ebot-AgborTrustindex verifies that the original source of the review is Google. Expert performance. Always seeking solutions to challenges. Very professional, knows his stuff, takes time to discuss, analyse and understand the situation. Succeeded where others failed to deliver. Extremely satisfied and will recommend Bilaal and BeMortgaged to anyone, anytime and anywhere.Posted on Helen StTrustindex verifies that the original source of the review is Google. We could not thank Bilaal enough for his support during our buying process. As first time buyers, Bilaal explained everything so we understood every step of the way. Mortgage products and insurance products were discussed but the choice was ours. We were advised but never pushed into signing up for anything. I've been recommending this service to friends and family as we felt confident and at ease throughout the process. Professional and approachable. Thank you so much! Will definitely use BE Mortgaged again when our fixed term is coming to an endPosted on Noori ManjothiTrustindex verifies that the original source of the review is Google. We had a fantastic experience with Be Mortgaged! Bilaal was incredibly helpful throughout the process, making what could have been a stressful journey feel smooth and straight forward. He was always available to answer our questions, provided clear guidance, and ensured everything went as seamlessly as possible. His professionalism and friendly approach gave us complete peace of mind. We highly recommend Bilaal and Be Mortgaged to anyone looking for expert mortgage advice!Posted on raheela aliTrustindex verifies that the original source of the review is Google. Bilal’s expertise is second to none He navigated through the home buying process with the precision of an assassin. From the advice on what to look out for when we were starting to look at properties right upto completion He has been a real crutch for us with his helpful and fast turnaround times. He was also amazing for us as first time buyers as he guided us through the myriad of policies and insurances required legally to get our keys and have a safe and secure home! I would not hesitate to recommend BE Mortgaged or to use them myself in the future. Thankyou again for helping us get here.Posted on TINGTING QUTrustindex verifies that the original source of the review is Google. We can’t thank Bilal enough for his incredible support and patience throughout our mortgage application journey. After being rejected by two different banks, we were feeling quite discouraged, but Bilal never gave up on us. He was persistent, professional, and always had our best interests at heart. His communication was excellent — keeping us informed at every step and explaining all our options clearly. His dedication made a huge difference, and thanks to his hard work, we finally secured our mortgage. I would highly recommend Bilal to anyone looking for a reliable, hardworking, and patient mortgage advisor. Thank you for going above and beyond to make our dream a reality!Posted on Emm AntoinetteTrustindex verifies that the original source of the review is Google. I've recently completed my first buy to let property purchase with Bilaal's help. He was friendly, professional, and incredibly knowledgeable, which really put me at ease. Right from the beginning, he helped me to assess the potential rental income, then had mortgage lenders for me to choose from depending on rates, fees, etc. He even had details of surveyors and conveyors, which I loved as I didn't have to go through a bunch and compare. He offers a total service from start to finish to help with buying property, and I couldn't recommend him enough. I look forward to working with him again.