Guiding you through the mortgage market
Bad credit, self-employed or no deposit saved? We help people in all of these situations get a mortgage, and we stay with you until you have the keys.
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Supporting people to have a fair chance at owning a home, no matter what their circumstances.
Andy Stinson set up The Mortgage Point in Nottingham in 2024 after years working in the service sector. You get one adviser who knows your case, answers in plain English and doesn't keep office hours.
- 100+lenders on panel
- Nationwidecoverage, by phone and email
- Excellenton Trustpilot
Situations we help with
Turned down by your bank, or worried you will be? These are the cases we work on every week. Pick yours to see how we can help.
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Adverse credit
Defaults, CCJs, missed payments or arrears. We help people with credit problems get a mortgage, and we look for the lender that suits your situation.
DefaultsCCJsMissed paymentsMortgage arrears How we help
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First-time buyers
Buying your first home can feel daunting. We guide you through each step, and not just the mortgage.
How we help
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Self-employed
Getting a mortgage when you work for yourself can be hard. We know the problems you face and work with you to find a fit.
How we help
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Remortgage
Fixed rate ending, after a better deal or want to bring your debts together? We compare lenders for you, including your own.
How we help
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Buy to let
Buying a home to rent out, or adding to what you already let? We look for buy-to-let lenders whose rules suit you and the property.
How we help
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Zero deposit
You don't always need a deposit. We work with lenders that offer up to 100% mortgages, so if saving is a struggle you may still have options.
How we help
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Shared ownership
Buy a share of a home, so you can live somewhere better without needing a bigger mortgage.
How we help
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Protection
Once you've found your home, we can help you protect it, and the people in it.
Life insuranceCritical illnessIncome protectionBuildings and contents
Protect your home
Where are you starting from?
Tick whatever applies to you. We'll draw your route and show you where we can help.
Tick a box and your route appears on the map.
From first call to front door
Free first call
A no-obligation chat about your circumstances, so we can agree the next steps together.
Your full picture
We go through your income, credit history and any deposit, and work out what you can afford.
Finding the lender
We look for the lenders that suit your situation, including ones that lend up to 100%.
Your application
We put the application together and keep you informed at every stage.
Solicitors and survey
We stay on the case while the solicitors and the lender's surveyor do their part.
Keys, and cover
You move in. We can also look at life cover and protection, so your new home stays yours.
What could you borrow?
Many lenders lend around four to five and a half times your yearly income. Move the sliders for a rough idea.
Roughly £128,000 to £176,000
This is a guide, not an offer. What you can borrow depends on your circumstances and the lender's checks.
Open the full calculator
Meet Andy
Andy Stinson is a CeMAP-qualified mortgage and protection adviser, and the director of The Mortgage Point.
He spent many years in the service sector before setting up the business in 2024, so his focus is simple: you should be 100% happy with the service you get. He's with you for the application and everything that follows, and there's no such thing as office hours.
If I had a question he answered day or night.
Mark, a client
What our clients say
Let's start the ball rolling
Ready to take the first step? Book a free, no-obligation call. We'll talk through your circumstances and agree the next steps.