Is poor advice getting between you and a mortgage?
The expert advisors we work with have helped over 120,000 people from all walks of life find the perfect mortgage, including many who may have had a mortgage declined or refused, usually because the standard of advice could have been better. These include people with bad credit, those who are self-employed, first time buyers and even people who looking to remortgage or to invest in a buy to let.
We've helped over 120,000 people (and counting!) get the right advice
5 Star Rated
Our customers love us!
Brokers must graduate from our official LIBF approved accreditation
Our service is Free
We don't charge a fee, your broker may charge once successful
Founded by Mortgage Expert Pete Mugleston, and Marketing Guru David Bird, we have established ourselves as one of the UK’s favourite hubs of mortgage information, providing access to some of the best specialist mortgage advisors in the industry.
We started at arguably the worst time possible – right in the middle of the credit crunch when the demand from borrowers remained, but mortgage lenders struggled, and eligibility was tight. For specialist advisors, to find a customer the right mortgage was a mission to exhaust every possible avenue, and we look back now as this being an incredible breeding ground for the drive behind who we are today. Our vision was born – helping everyone get the right advice. Whatever the background or need, we believe that a customer should not let a mortgage get in the way of what they want. To us, ‘impossible’ is not a fact, it’s an opinion, a word used by brokers who don’t fully understand the market; or who can’t be bothered with difficult cases. We have now helped over 120,000 customers get the right advice, often where brokers have failed, and continue to grow into new markets, helping more and more customers when they need it most. And yes, we are absolutely loving it! Thankfully our customers are too, which might be why they have been scoring us 5/5 on Feefo for ages, and why we’ve been presented with the Gold Trusted Award. With years of experience successfully helping countless customers, many of whom had been turned away by mortgage lenders in the past, we applied that same customer-focused formula to other financial services such as pensions and insurance, and Online Money Advisor was created.
An incredible milestone to hit!
We’re delighted to announce that we’ve helped over 100,000 customers get the right advice!
Online Mortgage Advisor was created almost a decade ago in a bedroom after founders Pete and Dave noticed that there was a big gap in the market – there was no central hub of mortgage information suitable for everyone, including those with very specific needs.
Which is where we come in. Our goal is to provide accurate information for everyone regarding the different types of mortgages available, and we’re proud to have helped so many people to-date.
To celebrate, we’ve given our 100,000th customer an Ultimate Smart Bundle to set up their new home in style!
Our incredible team and work very hard to match customers with the best brokers in the business, and we’ve got some exciting new developments in the pipeline that we’re looking forward to sharing with you.
Here’s to the next 100,000 customers!
How we make our income
We work on a success-based model with the advisors. This sets us apart from many other introducers who are geared around selling your enquiry for an upfront fee. Only when the advisors successfully get a mortgage approved do they make commission, and it is only then that they share some of this with us. This means we’re invested in finding the mortgage broker who is most likely to get you the mortgage you need, and that everyone in your journey is invested in the best possible service and shared goal of getting you the right advice. Read more about how we make our money.
So how do we make sure everyone gets the right advice?
We don’t just work with anyone
We pick and choose only the right advisors. Knowledge & Mastery are core to our values and ingrained in everything we aim to do. We have spent the last 7 years developing the recipe for mortgage success, triaging customers to only the right broker, with the right experience, and the right qualifications, to give the right advice. We understand that lending policy culminates thousands of data points, some set-in-stone, others intangible, multiplied by hundreds of lenders and that ultimately the market is far too big for advisors to know it all. We understand the need for expert mortgage specialists.
We use state of the art technology and have an incredible mortgage support team
We have designed clever algorithms to categorise and triage customer enquiries to the right brokers, exclusively. Our beautiful and friendly support team are trained specifically to help customers in all manner of situations, understanding your scenario and referring you to the best advisor for you, where possible on the phone there and then.
We can match you with a broker near you
Although the brokers we work with can arrange mortgages from anywhere in the country, we are more than happy to find brokers in the local area for customers who request this.
We have access to mortgage specialists in London, Manchester, Edinburgh and many other towns and cities.
OMA Advisor Accreditation
To complement our invite-only onboarding strategy, all brokers must adhere to numerous requirements before we even discuss them helping one of our customers.
Company Assessment This involves checks at a company level, looking into processes and procedures, verifying they have the right qualifications, permissions, and access to the market, and only working with those that are GDPR compliant and handle data securely.
Advisor Assessment This involves checks at advisor level, assessing that an individual’s spread of lenders and experience is adequate, before then assessing their knowledge and ability formally in our unique and LIBF Accredited Specialist Advisor Academy, as well as running them through systems and process training.
OMA Advisor Academy Officially recognised as a LIBF Accredited Development Program, we have created 25 modules (and counting) of pure specialist mortgage knowledge. Each advisor must pass core and specialist licenses in our academy to prove they know the market, before being signed off as capable, and before they are invited to work with our customers. Those who fail do not proceed.
OMA Advisor Charter All advisors then sign our Advisor Charter, confirming their pledge to upholding OMA’s vision and values, in meeting strict service levels and treating every customer like family.
Ongoing Management KPIs All advisors are monitored on every customer they work with, and are required to meet minimum Key Performance Indicators (KPIs) in terms of key metrics that drive success for our customers, including contact rates, lender agreement successes, and customer feedback – each advisor has a 5-star rating based on the customer experience and outcomes they deliver.
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Meet The Founders
Pete Mugleston, Managing Director
Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background. Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for publications in both local and national press, as well as trade press, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course! You can read more about Pete here. You can also find Pete on Linkedin here.
Dave Bird, Marketing Director
Seen by many as OMA’s digital marketing Guru, David is an expert in SEO, PR, and Content. Dave’s principles-based approach to marketing has been instrumental in helping OMA and other businesses position themselves where they need to be, in order to attract customers and deliver the best possible experience. When David met Pete, they found that their talents, although at opposite ends of the spectrum, complimented each other beautifully. The rest, as they say, is history. Find Dave on Linkedin here.
One of our chosen charities is Mercy Hands Uganda, who are working to build and improve a school in Kafumu. The school is situated amidst 8 poverty-stricken villages, 10km from the main road. It’s founders, Daniel and Juliet Waddimba, receive no government funding yet are subject to government inspections and regulations. Our previous fundraising totalled £7,587.40, which has enabled government standards to be met through significant changes to the school during 2019.
With the money we raised classrooms are now bright and water-tight with sealed, painted walls and concrete floors so that children no longer breathe in brick, mud or dung dust. Shutters and doors protect children from the elements and a solid path around the building ensures safe footing in and out of classes, and against mudslides in the rainy season.
Following funds we aim to raise will go towards improving a classroom that is now designated for the nursery (estimated cost £6,200), and the cookhouse that is in urgent need of being housed in a brick building (estimated cost £7850).
Another charity we support is Georgie’s Gift, founded by friends of the business Matt & Paula Hall in honor of their beloved Georgie, to support families, hospitals, and the fight against meningitis. If you want to know more head over to their website, and to donate to a great cause, their total giving page.
Don’t let a mortgage get in the way of what you want
Let’s face it, you don’t really want a mortgage … what you want are the things that a mortgage can bring, such as a new home or some cash for home improvements. Maybe you want to fund a business, get breathing space from rising debt or escape from a bad relationship. Whatever a borrowers’ background, a mortgage should not get in the way.
Contact us today for the right advice
Speak to one of the experts today by calling us on 0808 189 2301, or make an enquiry here. Then sit back and let us do all the hard work. We’ll match you with a broker with the right expertise for your circumstances. We don’t charge a fee and there’s absolutely no obligation or marks on your credit rating.
*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The info on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs. Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.
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