Sheneka Samms - Mortgage and Protection Adviser
About us
At Mortgage Correct, we believe securing a mortgage or insurance policy shouldn’t be complicated. Our all-in-one Mortgage & Insurance Calculator simplifies the process, providing clear, instant estimates tailored to your needs.
Mortgage Correct is more than just a mortgage and insurance brokerage—we are a trusted partner in your financial journey. With years of industry experience and a deep understanding of the market, we specialize in finding the most competitive and suitable financial products for our clients.
Whether you’re purchasing your first home, expanding your property portfolio, or safeguarding your assets, we ensure that every decision is backed by expert insights and real value.
Who we help
At Mortgage Correct, we believe securing a mortgage or insurance policy shouldn’t be complicated. Our all-in-one Mortgage & Insurance Calculator simplifies the process, providing clear, instant estimates tailored to your needs.
Mortgage Correct is more than just a mortgage and insurance brokerage—we are a trusted partner in your financial journey. With years of industry experience and a deep understanding of the market, we specialize in finding the most competitive and suitable financial products for our clients.
Whether you’re purchasing your first home, expanding your property portfolio, or safeguarding your assets, we ensure that every decision is backed by expert insights and real value.
What is a Residential Mortgage?
A residential mortgage is a loan used to buy a home you plan to live in. Whether you’re a first-time buyer, moving home, or remortgaging, securing the right mortgage deal is crucial.
However, getting approved isn’t always easy. Lenders have strict criteria, and if you’ve been denied before, it can feel like your options are running out. That’s where Mortgage Correct can help—with access to over 200 lenders and providers, we find solutions where others can’t.
Why Use a Mortgage Broker with 200+ Lenders and Providers?
Unlike going directly to a single bank, a broker gives you access to a wide range of lenders, including high street banks, specialist lenders, and exclusive mortgage deals. This means we can:
✅ Find a lender willing to approve you – even if you’ve been turned down elsewhere
✅ Access exclusive deals – potentially securing you a lower rate
✅ Match you with the right lender – whether you’re self-employed, have a complex income, or a low credit score
✅ Save you time and hassle – handling the paperwork and negotiations for you
Been Declined Elsewhere? Don’t Give Up
If a bank has said “no,” that doesn’t mean all lenders will. Every lender has different criteria, and some are more flexible than others. Mortgage Correct specializes in finding solutions when others can’t.
Get a Mortgage That Works for You
Whether you’re looking for a lower interest rate, a higher borrowing amount, or just a lender willing to approve you, our team is ready to help.
🔎 Find out what mortgage deals you qualify for—contact Mortgage Correct today!
What is a Commercial Mortgage?
A commercial mortgage is a loan used to purchase, refinance, or develop a property for business use. Whether you’re looking to buy office space, a retail unit, an industrial warehouse, or an investment property, securing the right deal can make a huge difference to your business finances.
However, commercial lending criteria can be complex, and traditional banks may not always offer the flexibility you need. That’s where Mortgage Correct can help—with access to over 200 lenders and providers, we find solutions tailored to your business needs.
Why Use a Mortgage Broker with 200+ Lenders and Providers?
Unlike dealing with a single bank, a broker gives you access to a wide range of lenders, from high street banks to specialist commercial lenders. This means we can:
✅ Find the right lender for your business – Even if you’ve been declined elsewhere
✅ Access exclusive deals – Potentially securing lower rates or better terms
✅ Tailor solutions to your needs – Whether you’re a small business, a property investor, or a large enterprise
✅ Navigate complex criteria – Including irregular income, development projects, or niche industries
✅ Save time and effort – Handling negotiations and paperwork on your behalf
Struggling to Secure a Commercial Mortgage?
Many business owners face challenges securing commercial funding due to strict lending criteria. But every lender assesses applications differently. Mortgage Correct specializes in matching you with lenders most likely to approve your application on competitive terms.
Find the Right Funding for Your Business
Whether you need a mortgage for a business premises, an investment property, or a large-scale development, our team is ready to help.
🔎 Find out what commercial mortgage deals you qualify for—contact Mortgage Correct today!
What is Protection?
Protection is about ensuring financial security for you, your family, or your business in case of unexpected events. Whether it’s illness, injury, loss of income, or even death, the right protection policies provide peace of mind and financial stability when it’s needed most.
Many people overlook protection, but without it, a sudden change in circumstances could leave you struggling to cover mortgage payments, household bills, or business expenses.
Types of Protection We Offer
🔹 Life Insurance – Provides a lump sum payout to your loved ones in the event of your passing, helping to cover mortgage payments, living costs, or future expenses.
🔹 Critical Illness Cover – Pays out a tax-free lump sum if you’re diagnosed with a serious illness, giving you financial support when you need it most.
🔹 Income Protection – Replaces a portion of your income if you’re unable to work due to illness or injury, helping you maintain financial stability.
🔹 Business Protection – Ensures businesses can continue operating in the event of a key person’s illness or death, safeguarding employees, partners, and operations.
Why Use Mortgage Correct for Protection?
Not all protection policies are the same, and the right cover depends on your personal and financial situation. By working with Mortgage Correct, which has access to 200+ insurers and providers, you can:
✅ Find the best cover for your needs – Tailored to your lifestyle, income, and family situation.
✅ Access exclusive deals and lower premiums – Potentially saving you money compared to going direct.
✅ Ensure a smooth claims process – Guidance and support when you need to make a claim.
✅ Protect your mortgage and future finances – Ensuring you’re not left vulnerable if something unexpected happens.
Get the Right Protection for You
Whether you’re looking to secure your family’s future, protect your income, or safeguard your business, our team is here to help.
🔎 Find out what protection policies are right for you—contact Mortgage Correct today!
How to Use Our Mortgage & Insurance Calculator
Select Your Calculation Type
- Use the dropdown menu to choose between Residential Mortgage, Buy-to-Let Mortgage, Commercial Mortgage, or Insurance.
- The calculator title will update to match your selection.
Enter Your Details
- Input the Loan Amount (£), Interest Rate (%), and Term (Years).
- If you select Buy-to-Let, an extra field will appear for Expected Rental Income (£).
- If you select Insurance, additional fields will appear for Insurance Cover Amount (£) and Estimated Premium (%).
Click “Calculate”
- The calculator will generate an estimate based on your inputs.
View Your Results
- For mortgages, you’ll see an Estimated Monthly Repayment.
- For Buy-to-Let, you’ll also see the Expected Rental Yield.
- For Insurance, the calculator will display the Estimated Annual Premium.
Contact Us Today
Important Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR LOANS SECURED ON IT.
Mortgage Correct Ltd [TBC FCA] is an appointed representative of Connect IFA Ltd (441505), which is authorised and regulated by the Financial Conduct Authority (FCA). We are entered on the Financial Services Register (https://register.fca.org.uk/) under reference 927268.
Mortgage Correct registered address is [TBC Address]. Registered in England No. 11599666. The FCA does not regulate some forms of Business Buy-to-Let Mortgages and Commercial Mortgages for Limited Companies.
We typically charge a minimum fee of [TBC FEE].
Complaints Procedure
We are committed to providing a high level of customer service at all times. If you feel we have not met these standards and wish to make a complaint, you can contact us:
📍 By Post: Compliance Department, Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL
📞 By Phone: 01708 676110
If we are unable to resolve your complaint, you may be entitled to refer it to the Financial Ombudsman Service (www.financial-ombudsman.org.uk).
Regulated & Unregulated Business
We conduct both regulated and unregulated business, meaning not all products we offer are regulated by the Financial Conduct Authority.
We offer a comprehensive range of mortgages from lenders across the market, but not deals that are only available by going direct to a lender.
