# Mortgage Advisory Network

> Independent, FCA-regulated mortgage and protection advisers based in Harrogate, North Yorkshire, advising clients UK-wide. Specialists in complex cases: self-employed applicants, contractors, adverse credit, buy-to-let portfolios and zero-deposit purchases, working across 100+ lenders.

Mortgage Advisory Network Limited is a trading style of Mortgage Advisory Network Limited, an appointed representative of H L Partnership Limited, authorised and regulated by the Financial Conduct Authority (registration number 9740756). Registered office: 5 Ivegate, Yeadon, Leeds, West Yorkshire, LS19 7RE. Trading office: 6 Raglan Street, Harrogate, North Yorkshire, HG1 1LT. Advisers include Karl Gehrke, Angela and Steve.

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

## Services

- [Residential Mortgages & Remortgages](https://mortgageadvisorynetwork.co.uk/residential): First-time buyer and remortgage advice.
- [Buy to Let Mortgages](https://mortgageadvisorynetwork.co.uk/buy-to-let): Portfolio landlords and first-time buy-to-let purchases.
- [Self-Employed Mortgages](https://mortgageadvisorynetwork.co.uk/self-employed): For applicants with SA302s, company director or retained-profit income.
- [Contractor Mortgages](https://mortgageadvisorynetwork.co.uk/contractors): Day-rate and IR35 contractor income assessed on its own terms.
- [Adverse Credit Mortgages](https://mortgageadvisorynetwork.co.uk/adverse-credit): Mortgages for applicants with missed payments, defaults or CCJs.
- [Zero Deposit Mortgages](https://mortgageadvisorynetwork.co.uk/zero-deposit): 100% LTV routes for first-time buyers with no deposit.
- [Commercial Mortgages & Development Finance](https://mortgageadvisorynetwork.co.uk/commercial): Commercial property and development finance.
- [Protection & Insurance](https://mortgageadvisorynetwork.co.uk/protection): Life cover and income protection.
- [Debt Consolidation Mortgages](https://mortgageadvisorynetwork.co.uk/debt-consolidation): Remortgaging to consolidate existing debt.

## Company

- [About Us](https://mortgageadvisorynetwork.co.uk/about): Meet the advisers.
- [Client Stories](https://mortgageadvisorynetwork.co.uk/testimonials): Real client reviews and outcomes.
- [Contact](https://mortgageadvisorynetwork.co.uk/contact): Enquiry form, phone and office address.
- [Prepare for Your Appointment](https://mortgageadvisorynetwork.co.uk/prepare): Documents and what to expect at a mortgage appointment.
- [Stamp Duty Calculator](https://mortgageadvisorynetwork.co.uk/stamp-duty): UK SDLT calculator and guide.

## Guides & Advice

- [Zero Deposit Mortgages in 2026: What's Real and What's Marketing](https://mortgageadvisorynetwork.co.uk/blog/zero-deposit-mortgages-in-2026-whats-real-and-whats-marketing): What 100% mortgage products are actually available, including Skipton Track Record, April Mortgages, Gable and Hanley.
- [Portfolio Landlords: What the Stress Test Changes Mean for Your Next Purchase](https://mortgageadvisorynetwork.co.uk/blog/portfolio-landlords-what-the-stress-test-changes-mean-for-your-next-purchase): How buy-to-let stress tests and ICR calculations work for landlords with four or more mortgaged properties.
- [Thinking About Remortgaging? Read This First.](https://mortgageadvisorynetwork.co.uk/blog/thinking-about-remortgaging-read-this-first): When to start a remortgage, the lock-and-review strategy, and product transfer vs remortgage.
- [How Contractor Mortgages Actually Work (And Why Your Bank Gets It Wrong)](https://mortgageadvisorynetwork.co.uk/blog/how-contractor-mortgages-actually-work-and-why-your-bank-gets-it-wrong): How day-rate contractor income is assessed by specialist lenders.
- [Bad Credit Doesn't Mean No Mortgage. Here's What's Actually Available.](https://mortgageadvisorynetwork.co.uk/blog/bad-credit-doesnt-mean-no-mortgage-heres-whats-actually-available): Mortgage options for applicants with adverse credit history.
- [5 Things Self-Employed People Get Wrong About Mortgage Applications](https://mortgageadvisorynetwork.co.uk/blog/self-employed-mortgage-tips-2026): Common mistakes self-employed applicants make when applying for a mortgage.

## Optional

- [Privacy Policy](https://mortgageadvisorynetwork.co.uk/privacy)
- [Cookie Policy](https://mortgageadvisorynetwork.co.uk/cookies)
- [Complaints Policy](https://mortgageadvisorynetwork.co.uk/complaints)