Mortgage & protection broker
Mortgage and protection broker, eight years into property and finance — estate agency first, broking now, which means I’ve seen deals from both sides of the table. I work with first-time buyers, movers, landlords and business owners, and I get the deposit, the lender and the structure right before the rate even matters. I take the long view: the right lender, the right people around you, not just the next transaction.
I didn’t start as a broker. I started in financial services admin, then moved into estate agency — and watched deals collapse from poor planning more times than I can count. That’s what brought me back into broking: not to process applications, but to make sure clients are structured properly before they ever get to that stage.
Read my full story →Pick the one that sounds like you. Each route is built for that situation rather than trying to cover everything at once.
Deposit, credit file, what you can realistically borrow, and the order to do it in. Start with the readiness scorecard.
Start here →Your next home, a better rate at the end of a fixed term, or an addition to a rental portfolio.
Start here →Short-term funding against a deadline, and finance structured around a build from start to finish.
Start here →Premises, plant and equipment, financed around the needs of a business rather than a personal income.
Start here →Life cover, critical illness and income protection — for you, your family, or key people in a business.
Talk it through →This is what that looks like in practice. A client needed an extra £150,000, and a lender’s automated valuation came back short — which should have been the end of it. I challenged it until they sent someone out for a full inspection. Valuation corrected, borrowing secured, monthly payment still lower than before.
See how I work →The average first-time buyer deposit is now around £54,000 — and most buyers under 35 get there with help from family, not alone. Wherever you're starting from, that's a normal starting point, not a setback.
“Perfect mortgage advisors, especially Omar. His guidance is brilliant. In our experience, Kent's top mortgage advisor.”
“Omar was extremely attentive, professional, and helpful throughout the whole process. He went above and beyond to ensure everything was explained clearly and completed thoroughly. I'm very satisfied with the service I received and would highly recommend…”
“Omar did a fantastic job. Grasped immediately what was needed and was persistent in finding the best solution. Excellent communication throughout.”
Only around 6% of UK adults currently have income protection in place — even though it's often what decides whether a mortgage stays manageable if the unexpected happens. Worth thirty minutes to check where you stand.
Thirty minutes, no obligation. What you may be able to borrow, anything worth sorting first, and your next concrete step.
Momentum email address, direct telephone number, booking link, trading address (mandatory on any financial promotion), and the WhatsApp / Instagram / LinkedIn URLs.