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Welcome to Moneysprite

Moneysprite is a financial service provider offering a wide range of mortgage and insurance services across the UK. Our customer-focused and tailormade approach ensures clients that their needs and preferences are always at the centre of our work. Throughout our services, you’ll receive clear communication, friendly updates and patient explanations that address all your queries and concerns.

By providing a wealth of mortgage and insurance services under one roof, Moneysprite is an efficient one-stop shop for all individual and commercial financial service needs. Cut through the noise with our experienced professionals in your corner.

Some of our popular services include:

  • Mortgage services: a holistic mortgage service to help anyone secure an advantageous mortgage, from first-time buyers and self-employed workers to commercial finance
  • Life insurance: searching, comparing and applying for trusted life insurance policies that meet your needs
  • Pensions: explaining pension options and helping you settle on the right type of pension for you
  • Building and content insurance: expert assistance searching for building and content insurance from leading providers
  • Corporate protection: relevant life policies, shareholder and key man protection
  • Individual risk profiling: assisting in identifying investment opportunities
  • Unit trusts and ISAs: discuss tax-efficient saving methods with our team

Your property may be repossessed if you do not keep up repayments on your mortgage.
Commercial mortgages are not regulated by the Financial Conduct Authority.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Welcome
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Mortgages

Whether you’re buying your first home or adding to your property portfolio, we can help.

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Insurance

Protect your home, valuables and yourself with a policy from a reputable provider.

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Pensions

Start preparing for a wealthier retirement with a beneficial pension product.

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Investments

Consult on a selection of investment opportunities with our experienced team.

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Savings

Uncover tax-efficient savings products that can grow your money effectively.

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Protection

Assistance to secure the financial safety net that you and your family deserve.

What Makes Us Different From Other Mortgage Advisers?

Our mortgage advisers are fully accredited and experienced in bringing high-quality mortgage advice and whole-market brokering to all clients. What makes us different is how we deliver our services: our team goes the extra mile to ensure each client receives a truly individual service and each service is comprehensively provided from consultation to mortgage completion.

We only provide mortgage advice after taking as much time as we need to get to know you, your needs, preferences, risk tolerance and even your long-term financial objectives. Only by gaining a complete and clear picture of your current and future finances do we believe our mortgage advice can be most relevant and advantageous for you. The small details matter when trying to gain an edge in a competitive mortgage market and we never look past these opportunities to save you money.

We’re fully independent and search the whole of the market to identify suitable mortgage types, meaning we’re not aligned with certain lenders which would otherwise restrict your ability to secure a more favourable mortgage deal. Furthermore, when working with one of our financial advisers, they will be on hand to assist at every step of the process, including with applications and any documentation requests. This can be especially beneficial to first-time buyers and investors who may have ongoing queries.

Our specialist mortgage broker service is available in person or remotely from our London office when preferred by clients. Alternatively, our advisers are based in select locations for additional client convenience and benefits. We’re especially active working with clients in Bognor Regis, Bournemouth, Cambridge, Chelmsford, Cornwall, Eastbourne, Hemel Hempstead, London, New Forest, Norwich, Poole, Portsmouth and Southampton.

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Our Mortgage Process
  1. Our mortgage advice and brokering service begins with a consultation whereby you get to ask all your questions about us and how we work, and we get to know you. This is arguably the most important part of our process. We use the consultation to learn about your property ownership aspirations and start to understand your needs and preferences. 
  2. We take some more time to gain a granular understanding of your requirements. We dig our nose into the numbers to learn about your financial situation and future financial objectives. At this stage, we may identify further requirements, such as the need for protection and insurance. For your convenience, we can help with this when applicable. 
  3. Once we have all we need, our team go to market and see what is currently available based on your exact circumstances and requirements. We may be able to access mortgage discounts or full mortgage products that are otherwise not advertised elsewhere. We’re not aligned with any lender so you know we’re working with your best interest at the forefront of our work. Our searches will result in recommendations which our adviser will fully explain to you and answer all queries. You’re not obligated to apply for any of these mortgage options.
  4. We oversee any mortgage application you decide to make which includes detailed support when responding to requests from lenders. Our job is to ensure the application is executed correctly and efficiently. If any unexpected issues arise, we’ll be right by your side to find solutions. 
  5. Once you’re settled in to your new home, we will periodically review your situation to see if we can help save you more money in the future. 

From Our Blog

Stay up to date with us

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Debt-to-income ratio and how it impacts your mortgage eligibility

One of the ways a broker will determine whether you’re eligible for a mortgage is by looking at your debt-to-income ratio. This is part of your mortgage affordability assessment, and it helps them check whether you would be able to keep up with your mortgage payments.

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Gifted funds: Navigating the rules and requirements

Gifted funds can be a significant financial boost. When receiving financial support from family and friends in the form of a gift, it can feel like a blessing that helps with major life milestones - buying a home, starting a business, paying off debt.

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Financing options for home improvement projects

If you’d like to make home improvements yet can’t fund them upfront, you may be considering taking out a home improvement loan. 

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Using bridging loans for smooth property transitions

Bridging loans are temporary loans that offer fast funding when there's a delay in finalising a transaction.

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