First-Time Buyers
Step-by-step help with your first mortgage, from working out what you can borrow to getting the keys.
Whole-of-market mortgage brokers
Helping you find the mortgage that’s right for you
Complex income, a low credit score, a non-standard or equestrian property, several applicants or recent self-employment — we look across the whole market, including smaller specialist lenders, to find one that fits your circumstances.
- Complex income
- Non-standard properties
- Multiple applicants
- Low credit score
- Recently self-employed
- Equestrian & equine
- Mortgage protection
FCA regulated
Firm Reference Number 956981
Whole of market
Including little-known niche lenders
Decades of combined experience
Advisers across the country
Non-judgemental advice
Built for harder-to-place cases
Who we are
Three brokers, one shared frustration
G3 Mortgages was set up by three mortgage brokers with a passion for helping clients who struggle to get a mortgage on their own. Since then the team has grown to include brokers based around the country who share exactly that focus.
We are a whole-of-market brokerage, which means we are not tied to any one lender. Just as importantly, we have built relationships with smaller, little-known lenders who specialise in niche areas of the market — the sort of lenders you are unlikely to find on a comparison site.
Our clients range from first-time buyers to large portfolio landlords, and everyone gets the same patient, jargon-free treatment.
Our specialisms
The cases other brokers hand back
Remortgaging
Coming to the end of a deal, raising capital or restructuring borrowing — we review the whole market for you.
Complex Income & Self-Employed
Contractors, company directors, multiple income streams, bonus or commission income, and recently self-employed applicants.
Non-Standard Properties
Thatch, timber frame, listed buildings, converted barns, flats above commercial premises and other properties many lenders decline.
Multiple Applicants
Three or four people buying together, joint borrower sole proprietor and family-assisted arrangements.
Low Credit Score
Missed payments, defaults, CCJs or a thin credit file — we look for lenders who assess your circumstances properly.
Equestrian & Equine Mortgages
Smallholdings, stables, arenas, liveries and land — a genuine specialism of our senior adviser Katrina Seward.
Buy-to-Let & Portfolio Landlords
Single lets through to large portfolios, limited company structures, HMOs and multi-unit blocks.
Mortgage & Life Protection
Cover designed around your mortgage so your home is protected if the worst happens.
Income Protection & Critical Illness Cover
Protecting your income and your family's plans if illness or injury stops you working.
General & Specialist Insurance
Buildings and contents, private medical and business insurance, including specialist and non-standard risks.
Equestrian & equine mortgages
Land, stables and liveries understood properly
Equestrian property rarely fits a standard mortgage application. Acreage, stabling, arenas, livery income and mixed residential-and-commercial use all change which lenders can help. Our senior specialist adviser Katrina Seward has built a genuine specialism here, and knows the lenders who consider these cases on their merits.
Why choose G3
Reassuring, honest, and on your side
Access to niche lenders
Alongside the mainstream banks we work with smaller specialist lenders who are set up for unusual circumstances.
No judgement, ever
Missed payments, a short trading history or an unusual property are circumstances, not character flaws. We work with what is in front of us.
One adviser, start to finish
You deal with a named adviser who knows your case, supported by our administration team keeping the application moving.
Protection advice included
Life cover, critical illness, income protection and general insurance advice so the home you buy stays yours.
Whole of market
We are not tied to a single lender or panel, so the recommendation is based on your circumstances.
Clear about what is possible
We will never promise a guaranteed approval. We will tell you honestly what we think is achievable and why.
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Meet the team
Advisers you can call directly
Emma Kinsella
Mortgage & Protection Adviser & Director
29 years' industry experience and CeMAP qualified. Emma co-founded G3 to help clients who have struggled to get a mortgage elsewhere.
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Katrina Seward
Senior Specialist Mortgage Adviser & Business Partner
20 years as a broker and CeMAP qualified. Katrina specialises in equestrian mortgages and complex cases generally.
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Bianca Seward-Morris
Mortgage & Protection Adviser
Helps everyone from first-time buyers through to clients with complex incomes and non-standard properties, including equestrian property.
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Been told no elsewhere? Let's take a proper look.
We can't promise every case is possible, but we will do everything we can to find a lender that fits your circumstances.