Clear and transparent mortgage guidance you can trust

At Watt Mortgage, we’re here to offer personalised mortgage and insurance advice with your needs always coming first. As a friendly UK-based broker, we’ll be with you every step of the way— from the first chat right through to completion.

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Transparent Fees

Your initial consultation is free. Any fees for mortgage applications will be discussed upfront, based on the complexity of your case, so you’ll know exactly what to expect.

Mortgage and insurance advice that works for you.

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Mortgages

With so many options to choose from, finding the right mortgage can feel overwhelming. At Watt Mortgage, we make things easier for you. We’ll walk you through the process step by step, offering clear advice and support so you can feel confident at every stage.

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Protection

We’re here for more than just finding the perfect mortgage, we’re also committed to helping you protect your home and loved ones. With our personalised insurance solutions, you can have peace of mind knowing everything that matters most is covered.

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Other services

At Watt Mortgages, we provide more than mortgage solutions. Explore services like Equity Release (by referral only), Credit Reports, Home Insurance, and Wills & Estate Planning to help secure your future.

Why Watt?

Watt Mortgage’s team delivers personalised mortgage solutions, guiding you every step of the way with expert advice, competitive rates, and flexible terms.

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Your mortgage, your way.

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First time buyers

Start your homeownership journey with expert guidance tailored to your unique needs.

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Remortgages

Find better rates or release equity with our hassle-free remortgage solutions.

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Self-employed mortgages

Specialist advice to secure the right mortgage, even with complex income.

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Buy to let

Maximise your investment potential with our tailored buy-to-let mortgage options.

Hear from our clients.

Write a review
“Watt Mortgage helped me find the perfect mortgage solution.”
John Doe
3 days ago
Dan and Luke have been absolutely fantastic throughout the whole process, helping me with both my buy-to-let mortgage and residential mortgage. As a contractor, my circumstances made things a little more complex than usual, but they worked through every challenge with professionalism, persistence and a clear understanding of what was needed. Their communication has been excellent from start to finish, always consistent, responsive and happy to explain things whenever needed. They clearly know their business and have been incredibly supportive throughout. I really couldn’t thank Dan and Luke enough for all their hard work and would highly recommend them to anyone looking for knowledgeable, reliable and genuinely helpful mortgage brokers.
J "JayA" A
August 13, 2026
We had such a great experience with Chloe at Watt Mortgage when sorting out our Will and protection. She was honestly amazing from start to finish and made everything so much easier to understand. Chloe took the time to explain everything properly and always made sure both me and my partner understood what was going on. We had so many questions along the way, but she never once made us feel like we were asking something silly or obvious, which made us feel really comfortable. She was so patient, friendly and helpful throughout the whole process and genuinely made us feel like she had our best interests at heart. We came away feeling much more confident about everything and really appreciated how much time she took with us. Would 100% recommend Chloe to anyone looking for help with their Will and protection. She was brilliant! 😊
Eloise M
August 13, 2026
Dan and Luke were amazing throughout the whole process of buying my first home. They were always helpful, kept me updated and worked hard to get everything sorted. I really appreciate all their help and support. Would definitely recommend them to anyone looking for a mortgage. Thank you both!
Devis K
August 12, 2026
Our experience with Chloe was fantastic from start to finish. She took the time to explain everything in detail and made the process really easy. We now have total peace of mind
Tasha C
August 10, 2026
Chloe Crockford was amazing and professional. She guided me through the process and answered any questions I had. Friendly, patient and helped me feel comfortable with the decisions I made. Would definitely recommend. Thanks again Chloe.
Karl B
August 10, 2026
Excellent service, very helpful through a very frustrating process. Highly recommend
Steven P
August 6, 2026
Luke was excellent throughout the process of transferring my mortgage with Halifax. He was professional, knowledgeable, and kept me informed every step of the way. He explained everything clearly, answered all my questions promptly, and made what could have been a stressful process feel straightforward and hassle-free. I really appreciated his support and would highly recommend Luke to anyone looking for mortgage advice or assistance. Thank you for the fantastic service!
Phil S.
August 6, 2026
Absolute pleasure working with Watt Mortgage, they are so professional and understanding. They also give great advice and guide you through the process. Would greatly recommend.
Meedk
August 6, 2026
Dan and Luke were very helpful with my remortgage. They made the whole process simple explaining details along the way and will be back for our next one in the future
Valeriia S
August 6, 2026
We couldn't have asked for better mortgage brokers than Dan and Luke. From start to finish they were incredibly helpful, knowledgeable, and always happy to answer any questions we had. They kept us updated throughout the entire process, making everything feel straightforward and far less stressful. Their communication was excellent, and we always felt informed and supported every step of the way. We would highly recommend Dan and Luke to anyone looking for professional, friendly, and reliable mortgage brokers. Thank you both for making our mortgage journey such a positive experience! Dan has also been helping us update our life insurance and critical illness cover. He has taken the time to explain everything clearly and has made what could have been a daunting process feel simple and stress-free.
Kelly L
August 6, 2026
Watt Mortgage have been nothing less than exceptional, they have been so informative, helpful and eager to help in every way, I will use Watt Mortgage again in the future and recommend them to anyone who is looking for mortgage advice.
Matthew W
August 6, 2026
We were recommended Watt Mortgage from a friend after Bernard Marcus had quoted us an insane price! After getting in contact with Josh he immediately put us at ease as first time buyers, found us a great deal and helped us tremendously, cannot fault at all and would highly recommend to anyone else looking for an excellent mortgage advisor!
Harrison M
August 5, 2026
Josh has been extremely helpful through my parents’ re-mortgaging process - would definitely recommend! A huge thank you from us :)
Mithesha M.
August 3, 2026
Amazing experience and the advice from Josh has really helped me through the home buying process
Bhavika S
August 1, 2026
We had a great experience working with Josh from Watt Mortgages for our mortgage. He was exceptionally responsive, clear, and proactive throughout the entire process. He guided us through every step, made everything easy to understand, and secured our formal mortgage offer quickly and efficiently. If you're looking for a reliable and hard-working mortgage broker, I can't recommend Josh enough!
Dan A
July 31, 2026
I used Watt Mortgage as they were recommended by a friend and I was not disappointed. Everything went smoothly from start to finish and made me feel relaxed and comfortable throughout. All staff were friendly and cheerful. I would definitely recommend these guys to everyone.
Tim M
July 29, 2026
Excellent service appreciated. Thanks
Abraham O
July 29, 2026
Working with Watt Mortgage was the best decision i made during my home-buying journey. As a first-time buyer the whole process felt overwhelming at first, but Luke and Dan made it completely stress-free. They explained everything in simple terms, answered my endless questions with patience, and were always quick to respond. They found me a fantastic rate and kept me updated at every single step. I couldn't have gotten the keys without their hard work and dedication. Highly recommend them to anyone looking for a mortgage!"
Chinonso80
July 28, 2026
We first met with Kieran for our initial meeting and after a great chat, where the whole process was explained, we are very pleased we decided to go with Watt Mortgage. Josh and his team then took over and were fantastic. Kept us informed all the way. We needed to move quickly and Josh worked really hard to make it happen. Thank you Watt Mortgage you were brilliant
Dan H
July 27, 2026
I could not recommend Watt Mortgage more, from the initial consultation through to completion they have been efficient, trustworthy, highly knowledgeable and professional. I feel we are speaking to real humans who have our best interests and want to do the best for us. The whatsapp service was handy for any quick questions, nothing is too much trouble. We worked with Dan and Luke who were great. Thanks team!
Bev J
July 26, 2026
great service, will definitely recommend
Louise W
July 15, 2026
Excellent service Helped me understand and navigate the first time buyer process and found me the best mortgage deal available Joshua was amazing Highly recommend!
Z. Khan
July 15, 2026
I can highly recommended Josh. He keeps you informed about the process, works quickly and efficiently and effectively. Thanks again
Darren B
July 14, 2026
Excellent experience remortgaging with the team. Josh was extremely helpful and knowledgeable throughout. Highly recommended!
R.
July 13, 2026
Watt Mortgage have been absolutely fantastic from start to finish. Josh in particular has been excellent - everything has been organised, timely, and very friendly and understanding of some difficult circumstances. I cannot recommend Watt Mortgage enough!
Sam D
July 12, 2026

Refer a friend.

Love our service? Recommend Watt Mortgage to your friends, family, or colleagues and receive a £100 gift voucher from Marks & Spencer, Waitrose/John Lewis, or Amazon!

Ready to take the next step?

Get in touch with us today for expert mortgage advice tailored just for you. We’ll handle everything from start to finish, ensuring a smooth and stress-free process. Let’s find the right solution for you - no strings attached.