MPowered Mortgages
MPowered Mortgages

MPowered Mortgages

An award-winning prime residential mortgage lender who uses smart technology to make the experience of getting a mortgage fundamentally better for everyone.
MPowered Mortgages is a broker-only lender offering hassle-free mortgages that provide certainty. Leaving you more time to advise, and find great outcomes for your customers. 

Key Features

Proc Fees

Product Gross                  Gross Min/Max Net
Residential 0.4% 0.36%
Buy-To-Let 0.6% 0.55%
Product Transfers 0.20% 0.30%
FA 0.30% 0.28%

Key Features

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    Highly competitive prime residential rates that rival the 'Big 6'

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    Real-time system - we'll start underwriting your case on your first keystroke

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    Get an AIP in less than 3 minutes, and submit a FMA in less than 10 minutes

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    Soft footprint at AIP


Here’s How

• Our platform has been designed by brokers, for brokers
• We know the importance of borrowers getting advice – and that’s via you
• We’ll always be an intermediary lender, we won’t go direct

What we do

Using the latest tech, we’ve created a revolutionary platform that puts you in control and your client at ease:
• Fully digital and trackable application process – know what's happening at every stage
• Real-time underwriting – we'll start assessing your case on your first keystroke
• Simple, easy and quick application – submit a FMA in under 10 minutes

Discover our prime residential products and criteria

Key features:
• Highly competitive rates – we're more than a match for the ‘big six’
• Loans up to 85% LTV
• Capital raising on all remortgages up to 85% LTV
• Family gifted deposits accepted
• No min time in employment

The Applicant

• Min age 18 
• Max age 70 at end of mortgage term 
• Up to 2 applicants 
• Minimum 2 years trading for self-employed 
• Foreign nationals accepted - 3 years residency required

The Property 

• England and Wales 
• 5% builders deposit accepted 
• Minimum valuation from £75,000 
• Leasehold flats/maisonettes/apartments accepted 
• Ex-local authority houses accepted

The Loan 

• Min loan £50,000 
• Max loan £1.5 million 
• Terms from 5 to 40 years - affordability calculated to max 35 years 
• Purchases and remortgages 
• Fees can be added to the loan without affecting the LTV

Everything Else

• Offers valid for 180 days from application 
• AVMs available up to 80% LTV 
• Zero-hour contracts accepted 
• Soft footprint at AIP 
• Up to 5.5x LTI


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Register to place business with MPowered Mortgages:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.