Adverse Credit Issues

Having issues in the past doesn’t necessarily mean you can’t get a mortgage. We can take your entire history without judgement and will tailor a package that suits you thats affordable. We will guide you all the way through the process, and ensure we get you the best deal we can.

Specialist and Business Lending

Buy to Let, increasing your property portfolio, or raising finance for business expansion? Let us manage your mortgage and insurance requirements. With regular reviews, and our one stop approach, we help you get on with what you do best, running your business and focussing on your portfolio.

Buying your First Home

Buying a house for the first time can be a daunting task, and arranging your first mortgage seems like a mountain to climb. It’s hard to shop around to find the best deal, so let us take the weight off. We can also arrange your conveyancing, surveys and insurance to make your life simple.

Get a Better Deal

You may be looking to carry out that renovation you have been dreaming of, or maybe just looking to see what deals are out there to reduce your monthly outgoings. We can access a wide range of lenders to see what the best deal is for you. Even if you just want an insurance review, call us!

What Our Clients Say

Head over to our review page if you want to see what our clients say about us! Below are just a few of the more recent success stories from real clients who I have helped

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Rosie Alloway profile picture
Rosie Alloway
11 December 2023
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Paul has been absolutely fantastic from start to finish. I’m a first time buyer and he’s never made me feel silly for not knowing certain things, which I definitely felt from other mortgage brokers I spoke to. He has always been quick to respond which has been really helpful. I would 100% use Paul’s services in the future, highly recommend!
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Simon R profile picture
Simon R
7 December 2023
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Mortgages 4 U was recommended to me after my previous mortgage advisor changed careers. I was a little apprehensive at first as my finances were a mess. Paul went above and beyond in my opinion to help me sort my finances out and in this current market find me an amazing deal, which is a massive weight off my mind. I look forward to working with Paul in the future and feel I am in safe hands, as should you! Carlsberg don’t do mortgage advisors, but if they did Paul would be the cast 👍
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George Mac profile picture
George Mac
14 October 2023
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Job done! Thanks.
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naveed hassan profile picture
naveed hassan
19 September 2023
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Excellent service Paul Seed handled my case everything was sorted so quickly very promptly replying my questions and emails I was very stressed but Paul made things so smooth without waisting any time appreciate your time and effort and a big thank you .
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mengshi tan profile picture
mengshi tan
17 July 2023
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Paul is an absolutely amazing broker to go with. He’s always very professional to help me deal with any issues/challenges during the mortgage application process, and finally I got an ideal mortgage offer. It was a pleasure to have him as my broker especially as a first time buyer so there are lots of aspects confused me, and he’s always very patient to answer any questions that I have. Thanks Paul!
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Shuhel Miah profile picture
Shuhel Miah
15 July 2023
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I had an amazing experience working with the Broker (Paul Seed) throughout the whole process. He has outstanding knowledge on all the products available on the market and is very calm, has a lot of patience and always available to discuss and explain the process over a phone call too! I have had poor experience with others so going forward I wouldn't be going anywhere else other than Paul. Highly Recommended for anyone requiring a Residential or B2L Mortgage or general financial advice.
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Sarah Potter profile picture
Sarah Potter
14 July 2023
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Paul was absolutely amazing. Right from the start of buying a house that needed a specialised mortgage he went above and beyond. No question was too silly or daft!(I asked quite a few!) He explained everything every step of the way. He answered messages/emails extremely quickly. As a 1st time buyer, buying through covid it was a long process. Covid held it up but we got there thanks to Paul. Now 2 years on, I contacted Paul once again for help finding the best deal what with interest rates rising etc. He didn't disappoint. Thank you Paul and Mortgages 4 u you're amazing!!
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Ric Sharp profile picture
Ric Sharp
26 June 2023
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I've used Paul's services twice now and could not recommend him highly enough. Knowledgeable, dedicated, thorough and hard working. The first time around, due to complications with the property, I was struggling to attain the mortgage at all before he helped. He went above and beyond to make sure it got over the line. Thanks Paul!
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Dan Burgess (Burgess454) profile picture
Dan Burgess (Burgess454)
12 June 2023
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Paul has been incredible! The second time we have used Paul for our mortgage needs and he goes above and beyond to make sure we have the right deal. He was very quick at responding to any queries we had but also provided us with as much information as possible. Would highly recommend!
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Luigi Iarossi profile picture
Luigi Iarossi
5 June 2023
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Paul found me a mortgage , i thought there would be issues but he sorted everything out really quickly. I appreciated he phoned to explain the process and I can’t endorse his company enough. Thanks for your help. Luigi.
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Gemma Curd profile picture
Gemma Curd
Facebookrecommends
Paul is amazing! He is very knowledgeable, quick to respond and good at problem solving if issues arise. He has secured us a great mortgage deal on our dream house after multiple bumps in the road. We move in next Tuesday, none of this would of been possible without his expert help and advice.
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Alina Świątek profile picture
Alina Świątek
Facebookrecommends
Thank you for helping us with the mortgage and our life insurance, Paul! You’ve been amazing all the way through!
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Hussein Ali profile picture
Hussein Ali
Facebookrecommends
Amazing and experienced, sort of mortgage related issues for many
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Abbie Anne profile picture
Abbie Anne
Facebookrecommends
Me and my partner are currently in the process of buying our first home, after putting it off because we thought it would be more than a struggle we contacted Paul who has been absolutely brilliant! He’s been so kind and understanding right from the start, kept us up to date with absolutely everything and always been on the end of the phone when I have needed him(which feels like at least once a day). He is always prompt in answering any questions and his service is 👍
Picture of a brand new kitchen with white units and brown blinds

Service tailored to your needs

We aim to make our services as accessible as possible. You are a busy person, and we understand that. That is why we have enabled multiple ways you can get in touch with us, and ways to manage your case from Enquiry to Completion.

We can look after you over the phone, face to face or even via Web Meetings. We want to be there for you when you need us, not when it suits us! We can even link you up with a solicitor to perform the conveyancing, and arrange your Buildings and Contents Insurance, so you can be sure nothing is missed, and we will keep an eye on you all the way through the process.

We are independent and whole of market, so you can be assured we are able to find the most appropriate solution for you

Some of our lenders

As a whole of market broker, we can access pretty much any lender that suits your position

Download our handy guide to the mortgage process for FREE


Expensive House Image

Whatever your job, we can help

Whatever your employment circumstances, we can assess and advise you on the best solution for you. Our flexible approach to working hours means we are here for you when YOU want us. Our access to the whole of market means we can look at solutions and tailor make a solution for you.

Sole Trader and Freelance Worker Mortgages

 We know the pressure freelancers and sole traders are under, and aim to make the process as stress free as we can. Our “always available” approach allows contact when it suits you.

We have our roots in the entertainment industry and want to support it in these unprecedented times, so we are currently offering reduced fees for the entertainment and events industry to help you through.

Casual or Zero Hour Contract Worker Mortgages

You may have given up trying to secure a mortgage, or thought it wasn’t even possible with a zero hours contract or erratic work pattern.

Our trained advisers are here to clear the path for you. We will take the time to understand your work pattern and income and match you with a solution that is specific to you.

NHS and Key Worker Mortgages

Especially at this time, NHS Staff and Key Workers are working against the odds to help the public. We understand your time is precious, and thats why we make ourselves available at a time that suits you.

Let us help you. And thanks for helping us

Police Force and Related Industry Mortgages

Our “always available” approach to working patterns means we are ready and waiting to help when you need us. Like you, 9-5 doesn’t exist in our world!

Even with inconsistent hours, and erratic work patterns, our access to 100’s of lenders means we can find a solution that suits.

Teachers and Education Sector Worker Mortgages

To be honest, we don’t know how you do it! Juggling school and Home Life.

Our business is geared around minimising the time you have to spend arranging your mortgage, and being available when you need us.

Mortgages for Unusual Properties, or Non-Standard Construction

They may be beautiful homes, but they can be difficult to source a mortgage for. Luckily our access to many lenders means there will be a solution for you. Our holistic approach also allows us to make sure that your insurance cover is appropriate for your dream home


Company Directors or Company Shareholder Mortgages

Everyone runs their company differently. You may employ yourself directly, or just take dividends.. Every company, and every director is different.

Thats why we tailor our solution to match you with the most suitable providers from our 100’s of lenders.

Large Loan to Value or Smaller Deposit Mortgages

The market is changing all the time. Lenders change their products, and deals come and go, but with our access to the whole of the market, we can source products that suit you.

Rest assured that we will always investigate the options available and make sure that your dream property is within reach and affordable.

Quick Enquiry

Drop us a quick message and we will get straight back to you. If you want to talk now, give us a call our contact us via WhatsApp or Live Chat.


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As inflation remains high, it’s the perfect time to take a closer look at how it could impact you. Whether you are behind on payments, looking to stretch your finances[…]

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LATEST NEWS 

We are now able to offer a full range of Level 2 and 3 Surveys for your added peace of mind when purchasing your property. Get in touch for more information !!

Arrange a Homebuyers or Level 3 Building Survey

Our Awesome Team

We may be a small team, but what we lose on size, we make up on talent and focus on the customer . You can be sure of a personal touch on everything we do.

Paul Seed

Paul Seed CeMAP

Mortgage and Protection Adviser

Paul brings 30 years of problem solving and innovative solutions to the mortgage market.

Following 28 years in the entertainment industry, rubbing shoulders with the likes of Robbie Williams and One Direction, he decided to get a proper job!
Reggie

Reggie

Head of Catering and Security

Part of the operation since 2015, Reggie is the team Labradoodle.

He keeps guard at the door and demands a stock of treats as payment. Always there with a paw when the heat is on.
Paddy

Paddy

Head of IT

Paddy is the latest addition to the team, and loves nothing better than to reply to the phone or start off the Alexa with his favourite tunes.

An African Grey with an attitude.

Our Quick Mortgage Calculator


Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages 4 U is a trading style of M4U Mortgages Ltd, who is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.We are entered on the Financial Services Register under firm reference number 1062466.

Registered Office : M4U Mortgages Ltd, 23 Pembroke Ave, Corringham, Essex. SS17 7PW.
Registered Company Number 1731766 Registered in England & Wales