Mortgage Mode
Start an enquiry

Commercial and buy-to-let mortgages for UK limited companies

Send a short enquiry. Monty calls you back. A specialist takes it from there.

Tell us about the loan in about a minute. Monty, our AI assistant, calls you back in seconds, or at a time you choose, to confirm your figures. Then a specialist from our panel picks it up with everything already in front of them.

Start your enquiry

No obligation and no credit search.

Illustrative. Names and figures are fictional.

You choose how this goes

At the end of the enquiry you pick how we get in touch, and you can change your mind at any point.

  • Call me now

    Monty sends a short message so you know who is calling, then rings you in seconds.

  • Schedule a call

    Pick a day and time that suits you. Monty calls you then and reminds you beforehand.

  • Carry on by WhatsApp or text

    Rather not talk yet? Monty messages you instead and you reply when it suits you.

  • Ask for a person at any time, on the call or by message, and someone from the team will get back to you.
  • Reply STOP to any message and we stop contacting you.

Meet Monty

An AI assistant that does the legwork, and says so.

Monty is an AI assistant. It handles the first conversation so your specialist starts with your figures, not a blank page.

What Monty does

  • Calls you back in seconds, or at the time you choose.
  • Confirms the figures you sent and asks a few questions about the property and your plans.
  • Offers you times and books your call with a specialist.
  • Sends your specialist a written summary before the call.

What Monty never does

  • Pretend to be a person. It says it is an AI at the start of every call.
  • Give financial advice, quote rates or say whether a lender will lend.
  • Record your call. Calls are transcribed, not recorded.
  • Keep you talking to a machine. Ask for a person at any time.
  • Carry on after you say stop. Reply STOP to any message, or say so on the call.
Illustrative. Names and figures are fictional.

How it works

Five steps from a short enquiry to a booked call with a specialist.

  1. Send a short enquiry

    The loan, the property value, the type of mortgage and how to reach you. It takes about a minute, with no documents and no credit search.

  2. Monty calls you back

    In seconds if you choose a call now, or at the time you pick. Rather message? Monty carries on by WhatsApp or text.

  3. A short conversation

    Monty says it is an AI, confirms your figures and asks about the property and what the loan is for. Ask for a person at any time.

  4. Matched to the right specialist

    Our engine matches you to a specialist on our panel by the type of mortgage, what the loan is for, its size and where the property is.

  5. Booked into their diary

    You choose a time and it goes straight into the specialist’s diary. You get a calendar invite; they get a summary of your call.

Start your enquiry See each step in more detail

The specialist panel

Your call is with a specialist from our panel of FCA-qualified mortgage specialists, each working on commercial or buy-to-let lending for UK limited companies and SPVs.

What a specialist is
A mortgage specialist who works on your kind of case. They talk you through your options and explain what happens next, including any fees, before you decide anything.
How we match you
Our engine looks at the type of mortgage, what the loan is for, its size and where the property is, and books you with a specialist who covers that kind of case.
What they receive
Before the call your specialist gets a short memo: your figures as you confirmed them, a summary of your conversation with Monty and the appointment. You do not have to start from the beginning.
Illustrative. Names and figures are fictional.

What Mortgage Mode is not

Not a lender
We do not lend money and we do not make lending decisions.
No advice from us
Mortgage Mode and Monty do not give financial advice. Your specialist talks you through your options.
No credit search
Sending an enquiry does not involve a credit search.
No obligation
You do not have to go ahead, and you can stop us contacting you at any time.
No documents yet
There is nothing to send at this stage. Your specialist will tell you if and when they need anything.

Questions people ask

Who is Monty?

Monty is an AI assistant. It calls to confirm the details you sent and to book your call with a specialist. It always says it is an AI, it cannot give financial advice, and you can ask for a person at any time.

Is the call recorded?

Calls with Monty are transcribed so your specialist has your details. They are not recorded.

Will this affect my credit file?

No. Sending an enquiry does not involve a credit search.

Do I have to go ahead?

No. There is no obligation. You can stop us contacting you at any time by replying STOP to any message or by telling Monty on the call.

Who are the specialists?

They are FCA-qualified mortgage specialists on our panel, each working on commercial or buy-to-let lending for limited companies. We match your enquiry to one of them by the type of mortgage, what the loan is for, its size and where the property is, and they phone you at the time you book.

Is Mortgage Mode regulated?

No. Mortgage Mode is an introducer. We are not authorised by the Financial Conduct Authority, we do not give financial advice and we do not quote rates. We take your enquiry, Monty books your call and a specialist from our panel takes it from there. Commercial and buy-to-let mortgages of this type are not usually regulated by the Financial Conduct Authority.

Does it cost me anything?

Sending an enquiry and talking to Monty cost you nothing. The call with the specialist is free, and the specialist explains any fees before you go ahead.

Find out where you stand.

A minute now saves a week of chasing lenders who were never going to write your deal.

Start your enquiry

No obligation and no credit search.