Quick Mortgages review
Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026
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Our verdict
Quick Mortgages suits buyers and owners who want broker help with purchase, remortgage and landlord borrowing plus life cover arranged alongside, with maximum loan to value of 100% supporting buyers with very small deposits. Authorised broker support by phone and email keeps comparison, advice and paperwork clear from search to offer.
Key facts
- Best for
- Buyer or owner wanting broker help with mortgage search plus protection cover.
- Maximum loan to value
- 100%↗
- Product fee
- £0↗
- Purpose
- Purchase, Remortgage, First-time-buyer, Buy-to-let↗
- Lender type
- Broker↗
- Legal entity
- Cherry Street Holdings Ltd↗
- Headquarters
- United Kingdom↗
- Support channels
- Phone, Email↗
- Official website
- quickmortgages.com
Pros and cons
Pros
- Maximum loan to value of 100% supports buyers with very small deposits, above Prestalo at 80%.
- Product fee of £0 keeps upfront advice cost clear while lender options are compared.
- Protection choice across life, critical illness and income protection lets you arrange life and health style cover alongside borrowing.
- Support through phone and email gives direct access to an adviser by phone and email.
Cons
- Advice depends on lender panel outcomes as broker status means Quick Mortgages does not lend directly.
- Support runs on phone and email only, so you cannot use live chat or walk in branch for urgent queries.
- Cover focuses on life, critical illness and income protection only, so you need another provider for home or motor policies.
Ready to try Quick Mortgages?
Who it suits
- New buyers with very small deposits who need maximum loan to value of 100% with broker guidance.
- Owners refinancing or letting who want purchase and remortgage options plus life, critical illness and income protection in the same review.
- Applicants who prefer phone and email advice through phone and email rather than self directed comparison.
Who should look elsewhere
- Borrowers wanting very low leverage through Sofkredit, since its cap of 30% favours equity rich applications.
- Borrowers buying outside Britain who need local servicing, where Banco Hipotecario de El Salvador with 90% may fit its home market better.
Deposit protection
Quick Mortgages operates as a broker, which means it advises and arranges rather than lends from its own balance sheet. For you, that structure shapes safety in a practical way, since risk sits with the lender that makes the offer while the broker focuses on suitability, affordability checks and disclosure of terms. Authorisation under 841262 adds formal oversight to that advisory role, with standards around advice quality, client money handling, complaints and record keeping. You should still review each mortgage illustration with care, checking rate type, fixation, revert position, early repayment terms, fees and overall amount payable, plus valuation and legal points that affect completion. Keeping payslips, bank statements, identification and address proof organised helps the adviser verify details promptly and reduces delays with underwriting. Where protection is arranged alongside borrowing, read the policy wording for exclusions, health declarations and claim conditions, and keep cover under review if your loan amount, term or household needs change.
Who regulates it
Quick Mortgages is overseen as an authorised firm under 841262 by the Financial Conduct Authority. That status allows regulated mortgage advice and arranging activity, with duties around suitability, affordability assessment, fair communication, conflict management and complaint handling. Its recorded activity as broker reflects that it sources and recommends third party mortgage products rather than setting rates or lending directly. For you, regulation means you receive advice documents, a clear statement of needs and circumstances, plus information on service scope, panel limits and how remuneration works, including any commission from lenders or insurers. You retain rights to complain to the firm and then to the relevant dispute body if concerns remain unresolved, and you can verify authorisation on the public register before proceeding. Ask your adviser to confirm which lenders are covered, whether any deals are excluded, how protection advice interacts with mortgage advice, and what records you will receive at each stage from initial recommendation through to binding offer.
The company behind it
The business trades under the legal entity Cherry Street Holdings Ltd, which is stated as Cherry Street Holdings Ltd. Its home base is recorded as GB, so advice, documentation and servicing follow practice for households in Britain. Day to day contact is provided through phone and email, giving you phone access for discussion and email for documents, updates and written confirmations. That setup favours advice led cases where affordability, credit history, deposit source and property details need careful review before submission. Authorisation reference 841262 links the company to its permission for regulated activity, and you can use that reference to check details on the public register. When you engage, keep copies of advice letters, illustrations, fee disclosures and policy documents under the legal entity name, and confirm office hours, response times and named contacts so you know who will manage your application from enquiry to completion.
How Quick Mortgages compares
Where Quick Mortgages is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (841262), checked September 30, 2026
Countries from the brand (Source, checked September 30, 2026)
Frequently asked questions
What fees do you pay when you use Quick Mortgages?+
Quick Mortgages charges a product fee of £0 for its broker service. Lender interest, valuation charges and legal costs remain separate, so you should ask for a full illustration showing monthly payment, overall amount payable and any lender product charge before you apply.
How much deposit do you need to apply?+
Quick Mortgages can arrange borrowing with maximum loan to value of 100%. That level supports buyers with very small deposits, subject to credit checks, affordability tests and property valuation, and your adviser will confirm whether a guarantor or alternative structure is needed.
Is Quick Mortgages a lender or a broker?+
Quick Mortgages acts as broker rather than as direct lender. Your adviser searches panel lenders for purchase, remortgage and landlord cases, then helps with paperwork, valuation liaison and offer management through to completion.
Who regulates Quick Mortgages?+
Quick Mortgages holds authorisation under 841262 from the Financial Conduct Authority. That permission covers mortgage advice and arranging activity in Britain, and you can check the register entry to confirm current status before sharing documents.
What protection insurance can you arrange alongside the mortgage?+
Quick Mortgages arranges cover across life, critical illness and income protection. You can discuss life cover, critical illness cover and income protection alongside your mortgage, and your adviser can explain sums assured, exclusions, waiting terms and how claims are handled by the insurer.
How do you contact Quick Mortgages for advice?+
Quick Mortgages provides help through phone and email. You can call to discuss your case or send documents by email, which suits detailed advice and affordability review, though you should allow time for replies during busy periods.
Can Quick Mortgages help with remortgage and landlord borrowing?+
Quick Mortgages supports purchase, remortgage and landlord borrowing as purchase, remortgage and first time buyer. Tell your adviser whether you are moving home, refinancing or letting, and they will match lender criteria, term and repayment style to your plans and rental strategy where relevant.
Sources
- quickmortgages.com checked September 30, 2026
Backs: Provider type, Purpose
“We're not tied to any lender”
- quickmortgages.com/about checked September 30, 2026
Backs: Headquarters, Legal entity, Lender type, Licences
“registered in England and Wales at Bank House, 8 Cherry Street, Birmingham”
- quickmortgages.com/contact checked September 30, 2026
Backs: Support channels
“Call us 0800 779 7907 Email us info@quickmortgages.com”
- quickmortgages.com/services checked September 30, 2026
Backs: Insurance types
“Life and critical illness cover; Income protection”
- quickmortgages.com/services/first-time-buyers checked September 30, 2026
Backs: Maximum loan to value, Product fee
“First-time buyer mortgages - A few lenders offer 98% to 100% deals”
Compiled from 5 source pages, checked September 30, 2026. We did not open an account.
Not confirmed yet: Initial rate, APRC, Fixed period.
Related by the facts
Quick Mortgages
Buyer or owner wanting broker help with mortgage search plus protection cover.