HomeFinancePlatform Mortgage Review

Platform Mortgage Review

Welcome to our comprehensive review of Platform Mortgage, the intermediary-only lender that has gained popularity in the mortgage market. If you’re considering a mortgage and want to explore options beyond traditional lenders, this blog post is for you.

In this article, we will delve into the key features of Platform Mortgage, discuss whether it is a good mortgage provider overall, highlight its pros and cons, and provide insights into the types of mortgages offered. We’ll also cover borrowing limits, interest rates and fees charged by Platform, and their policies on overpayments and maximum mortgage terms.

For those with less-than-perfect credit histories or who have been turned away by other lenders due to bad credit, we’ll examine how Platform’s credit reference agency works and if they offer any options for individuals in these situations.

We will include some customer reviews to give you a well-rounded understanding of what others think about Platform Mortgage’s services. So, let’s dive right in! Discover whether Platform Mortgage may be the best intermediary-only lender option for your home financing needs.

What is Platform Mortgage?

Platform Mortgage Review

Platform Mortgage is a UK-based intermediary-only lender that specializes in providing mortgage products exclusively through mortgage brokers. They offer a range of mortgage options to suit different needs and circumstances, making it easier for borrowers to find the right solution. With its focus on intermediaries, Platform aims to provide personalized service and expertise in the mortgage market.

Key Features of Platform Mortgage

Platform Mortgage offers several key features that make it a competitive option for those seeking a mortgage. These include their commitment to being an intermediary-only lender, providing access to exclusive products and rates through qualified brokers. With a focus on customer service and tailored solutions, Platform Mortgage aims to meet the diverse needs of borrowers in the market.

Is Platform a Good Mortgage Provider?

Platform Mortgage is highly regarded as a reliable mortgage provider in the intermediary-only lending industry. Their extensive experience and commitment to customer satisfaction have established themselves as a reputable option for individuals seeking competitive mortgage solutions.

Pros – Platform Mortgage

Pros - Platform Mortgage

  1. The pros include competitive interest rates, flexible borrowing limits, and various mortgage options.
  2. The intermediary-only approach means you’ll have access to expert advice and personalized service throughout the application process.

Cons – Platform Mortgage

  1. One downside is that mortgages can be a long-term commitment, often lasting for decades.
  2. Additional costs may be involved, such as arrangement fees and early repayment charges.
  3. It’s essential to carefully review all terms and conditions before committing to a mortgage with Platform or any other lender.

Types of Mortgages Offered by Platform

Platform Mortgage offers a range of mortgage options to meet the diverse needs of borrowers. Whether you’re a first-time buyer, looking to remortgage, or interested in buy-to-let properties, Platform has you covered. There’s something for everyone with fixed-rate mortgages, tracker mortgages, and offset mortgages. Explore their options and find the mortgage that suits your financial goals.

Borrowing Limit with Platform

Borrowing Limit with Platform

Platform Mortgage offers a range of borrowing limits, allowing borrowers to find the right mortgage for their financial needs. The specific borrowing limit will depend on factors such as income, credit history, and the value of the purchased property. The platform aims to provide flexible options that meet each borrower’s requirements.

Interest Rates and Fees Charged by Platform

Regarding interest rates, Platform Mortgage offers competitive options that suit different financial situations. The fees charged are transparent and vary depending on the type of mortgage chosen. It’s important to carefully review all costs associated with your loan before deciding.

Overpayments and Maximum Mortgage Term with Platform

Platform Mortgage offers flexibility regarding overpayments and the maximum mortgage term. You can make additional payments on top of your monthly instalments, helping you pay off your mortgage faster. The maximum mortgage term will depend on various factors, such as your age and financial situation, allowing for personalized solutions.

Platform’s Credit Reference Agency and Bad Credit Options

Platform Mortgage works with various credit reference agencies to assess a borrower’s creditworthiness. They consider applicants with bad credit, offering them options such as specialist or guarantor mortgages. This allows individuals with a less-than-perfect credit history to still have access to mortgage products and potentially own their dream home.

Platform Customer Reviews

Platform Customer Reviews

One of the best ways to gauge the quality of a mortgage provider is by looking at customer reviews. Platform Mortgage has received mostly positive customer feedback, highlighting its excellent service, competitive rates, and efficient application process. These reviews demonstrate that Platform Mortgage is reliable for those needing an intermediary-only lender.


Platform Mortgage is a reputable intermediary-only lender that offers a range of mortgage options to suit different borrowers’ needs. With competitive interest rates and flexible borrowing limits, they strive to provide excellent customer service and support throughout the mortgage application process.

Platform Mortgage’s key features include their commitment to intermediaries and offering exclusive products not available directly to borrowers. This focus on working with brokers ensures that customers receive expert advice and guidance tailored to their circumstances.

While there are drawbacks, such as limited accessibility for direct applicants and potential credit reference agency requirements for bad credit options, overall, Platform Mortgage remains a reliable choice for those seeking an intermediary-only lender.

To determine if Platform Mortgage is the best option for you, it is recommended to consider your specific requirements and compare their offerings with other lenders in the market. Reading customer reviews can also provide valuable insights into the experiences of past borrowers.

Whether you’re a first-time buyer or looking to remortgage your property, Platform Mortgage’s range of mortgage products and dedicated support through intermediaries make them worth considering when searching for a suitable lender in today’s competitive market.


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