5.0
92 Google reviews
Romford mortgage broker, from your first house to your last.
With you every step.
Free 15-minute call. No credit check, no obligation. There is no fee charged at the mortgage advice stage; however, third-party fees may apply during the homebuying process.
Mark Potter
Director and mortgage consultant
What our clients say
Real reviews from clients across Romford and Essex, verified on Google.
Rated 5.0 out of 5 from 92 Google reviews Read the reviews on Google
The advisers you will actually speak to
Four advisers, one family firm, no call centre. Wherever possible the adviser who takes your first call stays with your case through to completion and future reviews.
What we can take off your plate
The mortgage, the protection behind it, and the complicated cases other brokers turn away. Wherever possible one named adviser handles all three, so you explain your situation once and never again.
First-time buyer mortgages
Your first mortgage from a 5% deposit. Shared ownership, gifted deposits and new build, explained in plain English.
First-time buyer mortgagesRemortgage advice
Fixed rate ending? We compare your lender's product transfer against over 65 lenders and tell you which is most suitable for you.
Remortgage adviceBuy-to-let mortgages
First-time landlord or 15-property portfolio. Limited company, HMO and holiday-let lending all in scope.
Buy-to-let mortgagesSelf-employed mortgages
From one year of accounts. Directors, contractors, freelancers and sole traders, with lenders who read the numbers properly.
Self-employed mortgagesProtection insurance
Life cover, critical illness, income protection. Written alongside your mortgage, not bolted on after.
Protection insuranceSpecialist mortgages
Bridging, complex income, adverse credit, expat, later life (refer only). The cases that others might not be able to assist with.
Specialist mortgages22 years of industry knowledge. Someone in your corner.
There have always been two ways to get mortgage advice. A big chain, where your case moves between departments and you start again with every phone call. Or a one-person broker with nobody behind them when the case gets hard. Mark Potter started Major Money Matters in 2004 to be the third option: a Romford family firm that answers its own phone, compares over 65 lenders, and wherever possible keeps you with one named adviser from first call through to completion and future reviews. It works. Most of our clients are on their second, third or fourth mortgage with us.
Run the numbers first
Free, no email gate, and built by the advisers who use them with clients every day. They will get you close. The exact answer comes from a 15-minute fact-find.
Mortgage payment calculator
Work out your monthly payment for any rate, term and loan size. A quick check before you go further.
Open calculatorStamp Duty calculator
Covers standard rates, first-time buyer relief, and the 5% surcharge on additional properties. England and Northern Ireland.
Open calculatorAffordability estimator
See roughly where lenders are likely to land on income, commitments and deposit. Indicative only.
Open calculator20+
years advising Essex clients, since 2004
circa £170m
arranged in the 2025/26 financial year
65+
lenders compared
15 min
call with an adviser, not a call centre
How Major Money Matters works
You might buy a home three or four times in your life. We do this every working day. Five steps from first conversation to keys, and you will know exactly where your case is at every one of them.
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1
Fact-find
A short call or video to understand your goal, income, deposit and timing. No commitment, no credit check.
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2
Recommend
We compare over 65 lenders and put a written recommendation in front of you, with the rate, the fees, and why.
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3
Agreement in Principle
We submit an Agreement in Principle (AIP) with the right lender and confirm the borrowing figure you can offer on.
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4
Full application
Once your offer is accepted we package the application, chase the lender, and keep you and the solicitor in the loop.
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5
Completion and keys
Mortgage offer issued, exchange and completion booked. We stay with you for protection and the next remortgage.
Local mortgage advice across Essex and east London
We are based on Shepherds Hill in Romford and advise across Essex and east London. Read about our mortgage broker service in Romford, or local advice in Chelmsford, Southend-on-Sea, Brentwood, Basildon and Colchester, and on the London side Stratford, Walthamstow and Canary Wharf. See every area we cover.
Before you book, the honest answers
Do I pay for the call?
No. The 15-minute call is free and there is no fee charged at the mortgage advice stage; however, third-party fees may apply during the homebuying process.
Will it affect my credit score?
No. The first call is a conversation, not an application. Nothing touches your credit file until you have seen a written recommendation and told us to proceed.
What if my case is complicated?
Bring it. Self-employed income, contractor day rates, bridging, buy to let property portfolio, recent credit blips. With over 65 lenders to compare, the cases that others might not be able to assist with are the ones we work on every week. If we genuinely cannot help, we say so on the call and point you somewhere that can.
Do I have to go ahead after the call?
No. Plenty of people use the call to get their bearings. If we are a fit, we agree next steps. If not, you leave with a clearer picture and no obligation.
Tell us what you are trying to do.
Fifteen minutes on the phone, free, with an adviser who does this all day. If we can help, we will tell you exactly how. If we cannot, we will say so and point you to someone who can. We aim to return your call as quickly as we can.
We aim to return your call as quickly as we can. Mon to Fri 9am to 5pm. Weekend appointments available on request.