Who are we?
At QRC Mortgage Limited, we understand that buying a home or investment property is one of the biggest financial commitments you will ever make. That is why having the right mortgage and expert advice tailored to your needs is essential.
As independent, whole-of-market mortgage advisers, we specialise in securing your most suitable mortgage. Our access to a wide range of lenders—including exclusive deals unavailable to the public or some brokers—ensures highly competitive mortgage rates.
We provide fully independent mortgage and protection advice. With no ties to any lender or provider, our qualified advisers focus on securing the right mortgage and protection solutions for your circumstances.
Why Choose us?
Securing the right mortgage requires expert guidance. At QRC Mortgage Limited, we provide clear, professional advice tailored to your financial needs. Here’s why choosing us is the right decision.
You’re Protected – Our Duty of Care to You
Choosing a mortgage is a major financial commitment. As regulated mortgage advisers, we have a legal duty to recommend a suitable option for you. Every recommendation is based on thorough research and your financial circumstances. If you have concerns, our formal complaints process ensures your voice is heard.
Expertise You Can Trust
Finding the right mortgage isn’t just about the lowest interest rate. Affordability assessments, lender criteria, and repayment charges all play a role. Our experienced mortgage advisers guide you through the process, ensuring informed decisions at every step.
Access to a Wide Range of Lenders
Banks and building societies only offer their own mortgage products. We work with a wide panel of lenders, comparing deals to find the most suitable option. Whether you’re a first-time buyer, remortgaging, or investing, we match you with the right lender.
A Changing Mortgage Market – We Stay Ahead
Mortgage regulations are stricter than ever, with detailed affordability checks and longer applications. We stay updated on industry changes, ensuring a smooth mortgage process.
Understanding lender criteria is key to a successful application. We prepare your case thoroughly, improving approval chances and avoiding unnecessary delays. If you need a quick turnaround or have a unique situation, we’ll find the right lender.
Residential Mortgages with QRC Mortgage Limited | St Albans
Buying a home is a significant financial commitment. A residential mortgage, often called a ‘homebuyer’ mortgage, is a loan secured against the property you plan to live in. You provide a deposit, and your lender covers the remainder, up to the property’s purchase price or valuation—whichever is lower. You then repay the loan, with interest, over an agreed period.
At QRC Mortgage Limited, we understand that choosing the right mortgage can feel complex. Whether buying your first home, remortgaging for a better rate, or moving to a new property, our experienced team in St Albans will provide clear guidance. We compare lenders, manage the application process, and help secure the most suitable mortgage—allowing you to focus on your home.
QRC Mortgage Limited | Expert Commercial Mortgage Brokers in St Albans
Looking to purchase or remortgage a commercial property or business premises? At QRC Mortgage Limited, our expert commercial mortgage brokers in St Albans are here to help you secure the right funding.
Investing in commercial property can be highly rewarding, offering stronger rental yields than traditional buy-to-let. If you’re a business owner, purchasing your own premises can save on rental costs and serve as a valuable long-term asset.
Commercial mortgages are highly flexible, designed to suit your specific circumstances—but this also means they can be more complex to arrange. That’s where we come in.
Whether you’re expanding your commercial property portfolio or securing a space to grow your business, QRC Mortgage Limited has the expertise to guide you through the process. Contact us today to discuss your options.
Protect Your Future with QRC Mortgage Limited – St Albans
Life is unpredictable. Illness, redundancy, or even the loss of a loved one can have a devastating financial impact. At QRC Mortgage Limited in St Albans, we help you put the right protection in place so you and your family can focus on what truly matters—without the added stress of financial uncertainty.
Too often, people only realise the importance of insurance when it’s too late. While it’s easy to overlook protection for smaller things like mobile phones, life and critical illness cover is non-negotiable. The right policy ensures stability and security, while poor advice could leave you exposed at the worst possible time. Don’t wait for hindsight—act now to safeguard your financial future.
What Makes Us Unique?
At QRC Mortgages Limited in St Albans, we do more than just arrange mortgages—we build lasting relationships by providing expert financial solutions tailored to your needs. With access to over 200 lenders and providers, we offer exclusive deals, competitive rates, and mortgage options designed specifically for you.
Our client-first approach means we take the time to understand your goals, ensuring every mortgage and protection plan is the perfect fit. With years of industry expertise, we simplify the mortgage process, handling the paperwork and negotiations so you can focus on what matters most.
Mortgage Brokers in St Albans
Whether you’re a first-time buyer, self-employed, moving home, or investing in property, we have solutions that work for you. And beyond mortgages, we provide comprehensive protection plans to safeguard your home, income, and family.
At QRC Mortgages Limited, securing your mortgage is just the beginning—we’re here to help you secure your future. Get in touch today to see how we can support you.
Contact Us Today
QRC MORTGAGES LTD is an Appointed Representative of Connect IFA Limited 441505, which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 1026527.
The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Your property may be repossessed if you do not keep up repayments on your mortgage
There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be a minimum
of £499 or 0.5% of the mortgage balance — for example, £500 on a £100,000 mortgage.
We usually charge a fee of £199 admin fee when submitting your application to the lender.
QRC MORTGAGES LIMITED
71-75 Shelton Street
Covent Garden
London
WC2H 9JQ
Registered in England and Wales No: 16142516
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QRC MORTGAGE LIMITED is an appointed representative of Connect IFA
Commission Disclosure
We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation.Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
How to make a complaint
It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to:
Compliance Department
Connect IFA Ltd
39 Station Lane, Hornchurch, RM12 6JL
Call: 01708 676110
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service:
www.financial-ombudsman.org.uk
Think carefully before securing other debts against your home.
By consolidating your debts into a mortgage, you may be required to pay more over the entire term than you would with your existing debt.
The actual rate available will depend upon your circumstances. Ask for a personalised illustration