The deal hunter.

At Moat Mortgages, we don’t just chase the lowest rate, we hunt down the best overall deal for you.

Product fees, early repayment charges, and hidden extras… we analyse it all before we pin down the mortgage that right for you.

We crunch the numbers. You get the right mortgage. Comparison sites just don’t compare.

Don’t get stuck in the mortgage maze.

Fixed-rate, variable-rate, tracker, discount, repayment, offset, interest-only… With so many choices, it’s easy to end up in a mortgage muddle.

But fear not, at Moat, we’re experts in them all.

We’ll cut through the jargon, guide you through your options, and lead you straight to the mortgage that’s right for you.

Type of mortgages explained.

Fixed rate mortgages

Your interest rate stays the same for a set period (usually 2, 5, or 10 years), giving you consistent monthly payments and helping with budgeting.

Variable rate mortgages

Your interest rate can go up or down. There are several types:

A standard Variable Rate (SVR) is set by your lender and can change anytime.

A tracker mortgage follows the Bank of England base rate plus a set percentage.

A discount mortgage offers a lower rate than the SVR for an initial period.

Interest-only mortgages

You only pay the interest each month. The original loan must be repaid in full at the end of the term, often using savings or investments.

Offset mortgages

Links your savings to your mortgage. You don’t earn interest on your savings, but they reduce how much interest you pay on your loan.

Help to buy mortgages

Part of a government scheme aimed at first-time buyers. You get a government equity loan to help with your deposit.

Buy-to-let mortgages

Designed for buying property to rent out. Typically, these mortgages are interest-only and require a larger deposit.

Shared ownership mortgages

Buy a share of a property (e.g., 25–75%) and pay rent on the rest. You can increase your share over time.

First-time buyer mortgages

Designed to help first-time buyers get onto the housing ladder, offering lower deposit options, longer mortgage terms, and greater borrowing power.

Guarantor mortgages

A parent or family member agrees to cover your payments if you can’t. Ideal if your income is low or your deposit is small.

Contact Moat

Avoid the mortgage maze.

Our mortgage experts are on the line waiting for your call.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Avoid the mortgage maze.

Our mortgage experts are on the line waiting for your call.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Avoid the mortgage maze.

Our mortgage experts are on the line waiting for your call.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Avoid the mortgage maze.

Our mortgage experts are on the line waiting for your call.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The right advice for free

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

Moat Mortgages is a trading name of Hazelwood Financial Services, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 303934. Registered Address: 12 Hamlet Hill, Roydon, Essex, CM19 5LA

Complaints Procedure & Your Rights

The right advice for free

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

Complaints Procedure & Your Rights

The right advice for free

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

Complaints Procedure & Your Rights

Privacy Notice