Nationwide providers of mortgages, protection insurance & private medical insurance

Mortgage & Insurance advice from a specialist

If there's a mortgage for you, we'll find it

How we can help

With THOUSANDS of products and nearly ONE HUNDRED lenders at our disposal, if there's a product that fits, we'll find it.

Some of our many many lenders

With access to nearly 100 lenders and 10,000 products you can be sure we will give you access to the best possible mortgage.

Why use a broker?

The media push the idea of using comparison sites all the time for obtaining the best deal, as tempting as it can be this is often not the best idea when it comes to financial products, instead we recommend the use of a specialist mortgage & general insurance broker.

Using a mortgage & general insurance broker greatly enhances your chances of not only getting a mortgage/insurance product but also getting a deal that is right for you. There is no doubt that comparison sites can be helpful but with something as important as your mortgage/life protection we feel you are better of getting the personal touch. By using us at MGI Direct we will analyse your circumstances and pick a product for you that fits the information you provide.

Mortgage FAQ's

The general criteria for a mortgage loan are as follows:

Purchasing a home

  • Have been employed for 3 months or more and can provide payslips
  • Have a minimum deposit of 5% of the property value
  • Can provide bank statements for the past 3 months


  • Have an existing mortgage.
  • Are employed with sufficient income to support a mortgage
  • Have a mortgage balance of no more than 90% of the property value

There are many reasons that remortgaging your home makes sense, whether you are looking for a better deal, looking to raise money to pay off dent or looking to raise money for home renovation.

If you are on your lenders standard variable rate (this is the rate that you revert to when your deal ends) then you should absolutely remortgage, standard variable rates are nearly always more than fixed term rates.

We will never perform a credit check on you ourselves however the lender will, we may sometimes ask you to do a credit check on yourselves if you are declined by a lender so as we can advise you on why the lender has declined you and give us a better idea of who we can place you with going forward.

Whilst most high street lenders like to see a good credit score in order to offer you a mortgage we do have access to many lenders that are a little more forgiving in certain circumstances.

Recieve a FREE personalised mortgage quote

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The guidance and/ or advice contained in this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

MGI Direct Ltd is registered in England & Wales (Company No. 07569731)

Authorised and regulated by the Financial Conduct Authority. Financial Services Registration Number 697649

Owned and operated by MGI Direct Ltd, 27 Bridge Street, Usk, NP15 1BQ.

MGI Direct is a credit broker and not a lender, We work with the whole of the lending market who may pay us a commission. The amount of commission paid varies between lenders.