The Mortgage Bureau

Mortgage Brokers in Norwich

Offering expert mortgage advice to property buyers

The Mortgage Bureau has been serving property buyers in the Norwich area for 30 years. With a team of expert financial advisers and a trusted brand, we offer independent mortgage advice and a number of other services to people who want to purchase property or remortgage. 

Our brokers in Norwich take great pride in their independence. Your financial privacy is guaranteed when you work with an independent broker, which ensures that you have the leverage when negotiating the terms of your mortgage. Working directly with estate agents can create conflicts of interest because generally speaking, they are working in the interest of the sellers, putting you at a disadvantage.

One of the benefits of using our mortgage brokers in Norwich is we only serve one client: the buyer. We’re not beholden to any external lender or estate agent. As independent advisers, we have access to the entire mortgage market, so you can feel confident that we will work to find the best deal for you.

At The Mortgage Bureau, we don’t just want to make deals – we want to cultivate relationships with our clients to help them find the best arrangement throughout their entire mortgage term. We understand that people’s financial situations change over time. When your mortgage is up for review, we’ll search the entire market to find a deal that best matches your current circumstances.

About our location in Norwich

Our office in Norwich is centrally located at Stannard Place on St. Crispins Road just below the main business district. Customers can use the nearby public car parks to avoid the congestion around the Castle district. As the capital city of one of the country’s largest counties, our Norwich office also serves nearby towns like Great Yarmouth, Cromer, Dereham and Diss.

Norwich is a well-connected city with several road links, regular train services and an airport less than five miles from the city centre, making it easily accessible from most nearby points. Trains from London to East Anglia depart from Liverpool Street Station every 30 minutes. If you’re traveling by sea, there is a ferry port at Harwich.

Taking out a mortgage

Purchasing property is an extremely important financial and personal decision, so you want to make sure that you’re getting the mortgage deal that’s right for you. Buyers should expect to deposit between 5% and 20% of the cost of their property before taking out a mortgage, according to the Money Advice Service. Generally speaking, the higher the deposit, the lower the loan value and the more competitive the mortgage products that are available.

Although we work with all buyers, we give special focus to first-time buyers. They sometimes find it difficult to navigate the complex mortgage market and can miss schemes that are designed to benefit them. For example, the UK government offers stamp duty relief for first-time buyers to help offset some of the costs of purchasing a new property. But not everyone qualifies under this scheme. Contact our expert advisers to find out if you can benefit.

It can be challenging to know who to contact when you’re ready to take out a mortgage. Going through a broker, as opposed to working directly with a lender, means you won’t be restricted to a single source of financing. Our independent mortgage brokers have access to approximately 100 lenders and thousands of different mortgage schemes.

From these, we are able to access the most competitive mortgage products for our clients, taking into consideration such factors as arrangement fees, valuation/survey fees, interest rates and other incentives such as free legal services and/or “cash back” options.

Advice and services we offer

Our independent mortgage brokers offer property buyers impartial advice to help them make the best financial decision when it comes to taking out a mortgage. We are authorised and regulated by the Financial Conduct Authority, so you can feel confident knowing you are receiving sound mortgage advice that adheres to all legal standards.


When owners remortgage their property, they’re paying for their old mortgage using the proceeds from their new one keeping the same property as collateral. Remortgaging could be the best move if you’re trying to raise extra capital, but it isn’t right for everyone. Fees, costs and mortgage products may vary enormously, so it’s important to seek out sound mortgage advice to establish which is the best option for you.


For buyers who want to purchase a property specifically to let it to other tenants, you will have to take out a special buy-to-let mortgage. These types of deals differ from residential mortgages in a number of ways; interest rates and fees tend to be somewhat higher, for example. But not everyone is eligible for a buy-to-let mortgage. Talk to our mortgage advisers to determine if you qualify.


Our expert advisors have been working with help-to-buy schemes for several years now, and we are best placed to explain how each scheme works as well as the pros and cons of each. Both schemes allow you to purchase a higher value property with a relatively low deposit. But going the shared ownership route only allows you to initially purchase a share in the property while you rent the other share from the Housing Association or provider.

With the help-to-buy option, you can buy a 100% share in the property. However, after a certain period of time, you will need to make repayments on the government equity loan in addition to your mortgage repayments, which need to be budgeted for at the outset. These are the types of issues that our mortgage experts are on hand to advise you on.

Overcoming financial difficulty

If your income or any other financial factor makes it difficult for you to take out a mortgage, we’re here to help. Our advisers will work with you to figure out the best plan for your situation. Because we work with lenders across the entire mortgage market, you can feel secure knowing that we’ll try to find a provider willing to give you an appropriate deal.

Contact a Mortgage Advisor in Norwich

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    Competitive Fixed Rate Mortgages in Norwich Case Study

    J is a self-employed car mechanic living in Bowthorpe, Norwich.

    Three years ago, The Mortgage Bureau searched the market for him to find the most competitive mortgage product to enable him to purchase his first buy to let property in the “Golden Triangle” area of Norwich where rental yields are very good.

    This year as a partner in his business, J had been renting his commercial unit and as his lease was up for renewal, approached The Mortgage Bureau to establish whether he would be able to purchase his own commercial premises rather than paying rent.

    The Mortgage Bureau were able to successfully source a lender who would lend the monies to J and his business partner to purchase their own unit as well as provide excellent mortgage advice. They have now secured a highly competitive fixed rate for 10 years.

    The clients are pleased that they haven’t got to worry about rent increases for the next 10 years at their property in Norwich since their mortgage payment is fixed.

    Furthermore, they are happy in the knowledge that their mortgage payments are slightly lower than their rent and in due course, they will have an additional asset worth at least £250000 once the mortgage is repaid.

    J and his partner now also have the peace of mind of knowing that should either party die or suffer from a critical illness, their mortgage will be repaid and their business would be secure owing to the mortgage advice provided by one of our financial advisors in Norwich. Our client is now looking to build up a portfolio of properties to allow him to retire comfortably prior to his state retirement age, business permitting.

    The Mortgage Bureau have many buy to let/ commercial mortgage clients for whom they regularly review their mortgage products to ensure that they always have the very best deal to suit their circumstances. By regularly reviewing their mortgages in this way, the additional monies saved can often be channeled in to repaying the mortgage early, resulting in saving thousands of pounds for clients over the mortgage term.

    About Our Norwich Office

    The Mortgage Bureau has been a mortgage adviser to customers living near Norwich for 30 years.  First-time buyers, in particular, can take advantage of quotes from the whole of the market rather than being tied to just one source of finance.  All clients benefit from the long-term relationship that includes regular reviews.  This means they can remortgage with a better deal when it makes financial sense for them to do so.

    Our Norwich office enjoys a central location at Stannard Place, St Crispins Road, just below the main business district. Customers can use the nearby public car parks and largely avoid the congestion around the Castle district. Being the capital city of one of the largest counties, the Norwich office serves other towns like Great Yarmouth, Cromer, Dereham and Diss.

    Norfolk has many villages, many of which house commuters to the city. These include Attleborough, Aylsham, Bawburgh, Blofield, Brampton, Brooke, Brundall, Coltishall, Costessey, Cringleford, Drayton, Framingham Earl, Great Witchingham, Hempnall, Heydon, Honingham, Horning, Horsford, Horsham St Faith, Horstead, Hoveton, Kenninghall, Ketteringham, Loddon, Long Stratton, Ludham, Morningthorpe, Mulbarton, Newton Flotman, Old Buckenham, Poringland, Ranworth, Reedham, Rockland St. Mary, Saxlingham, Scole, Sea Palling, Shotesham, South Walsham, Swainsthorpe, Tacolneston, Taverham, Topcroft, Wacton, Weston Longville, Woodbastwick, Worstead and Wroxham.

    Market Days:

    Norwich was once an important capital for the medieval weaving industry and is still one of the most prosperous centres outside London. Norwich’s old medieval market place hosts a large bustling market every weekday. Many quaint old cobbled lanes and alleyways, crowded with antique and curio shops lead from the market, and there are several pleasant areas of the city to explore, particularly in the picturesque area of Elm Hill.


    Getting to Norwich is easy with excellent road links, regular train services and an airport less than five miles from the city centre. For those travelling by sea, there is a ferry port at Harwich, while there is also a second airport in the East Anglia region allowing travellers to reach us from destinations all over the world. And once you’ve arrived in our fine city – whether it’s by car, coach or train – you’ll need to know the best places to park or what buses to use.

    Train: Greater Anglia trains leave London’s Liverpool Street Station every 30 minutes (journey time 1hr 50mins).

    Eurostar has a fast, easy route to London from the continent, with high-speed routes from Brussels, Lille and Paris, and connections from Ghent, Amsterdam, Bruges, Frankfurt and Rouen among others.

    Direct trains run from Cambridge (1hr 20mins), with connections via Peterborough to the Midlands, the North of England and Scotland.
    Norwich Station is a 10-minute walk from the city centre.

    Norwich International Airport is just 4 miles from Norwich city centre. Domestic services provide a link to Norwich from Aberdeen, Edinburgh, Guernsey, Jersey and Manchester whilst over 1000 worldwide destinations are reached by connecting services at Amsterdam with KLM.

    Rail and sail from Holland: Stena Line’s Dutchflyer Rail & Sail service provides city-to-city travel by rail and ferry from Amsterdam/Rotterdam to Norwich, via Harwich International.

    Park & Ride:
    One of the best ways of getting to the city centre is to Park and Ride. Norwich has six different routes (more than any other city in the UK), all of which provide excellent value for money and are a great environmentally friendly way to travel. Parking is free for users of the Park & Ride, and there are Group Saver bus tickets available and accompanied children under 16 travel free. There is no time limit on how long you can stay during your day of travel, but make sure you check the time of the last bus before you leave for the city. You won’t be queuing to find a space either with almost 5,000 car parking spaces available over the six sites.

    Buses: Regular bus services run from all parts of the city throughout the daytime and evening. For advice and information on planning a journey visit or call 0871 200 22 33. Or why not check travel info from your mobile? Go to to find out when the next bus goes from your stop.

    Car Parks:
    Norwich has many car parks in and around the city centre ranging from multi-storey such as St. Andrew’s Car Park and surface car parks. There is also ample parking available for the disabled while there is a free motorcycle park near Tombland for motorcyclists. For more detailed information on the car parks and their locations visit Norwich City Council website or download the Parking Planner.

    Taxis are an excellent way for stress-free travel whether you need a lift back to your hotel with all your heavy shopping or after a night out enjoying the local bars and pubs. Taxi ranks can be found all over the city including Norwich Train Station, Castle Meadow, Tombland, Prince of Wales Road and City Hall. There are also additional taxi ranks and private hire taxis.

    If you’re staying in Norwich, then getting about the city couldn’t be easier. Norwich is a compact city, built around the heart of the Castle and its surrounding medieval streets. Its delightful lanes, alleys and streets make walking in the city a charm, and you’ll often come across an independent boutique you’d not spotted before!

    To make visiting and exploring Norwich even simpler, a free online walking route planner for Norwich has been launched, to encourage the city’s residents and visitors to walk more. To find the best route from A to B, simply visit take a look at the route planner or take a look at the city’s walking plan and then you’re on your way! The Norwich Map, ideal for walkers, is available from the Tourist Information Centre at The Forum.

    If you’re thinking of bringing your bike for your day trip or holiday you’ll discover that Norwich is ideal for cyclists. The city is compact and while you won’t find any big hills to tackle we can’t promise it’s completely flat! There are a number of dedicated cycle parking stands and further information can be found at or download Norwich City Council’s City Cycle Map. You can hire bikes at the railway station.
    A secure cycle storage facility for bicycles and cyclist’s belongings especially suitable for touring cyclists is available at the Norwich City Council-run St Andrews car park, (entrance from Duke Street; Norwich city centre close to Sustrans Route 1), ask at the car park office and staff will be on hand to help you 24 hours a day, 7 days a week. Toilets are also available at this car park.
    We would like to acknowledge that the travel information comes from Visit Norfolk who may update that information from time to time.


    One of the best sources of information about Norwich is on the Tour Norfolk website.

    The Tourist Information Centre can be found at The Forum, Millennium Plain, Norwich and the telephone number is 01603 213999.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A typical fee is £295. Ask for a personalised illustration. The Mortgage Bureau is a trading name of A.M. Mortgages (UK) Ltd. Authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some aspects of Buy to Let mortgages.

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