About Us

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You voluntarily choose to provide personal details via this website. Personal information will be treated as confidential and be held in accordance with GDPR May 2018 requirements.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact to discuss your mortgage requirements.

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About the Team

What Life & Mortgages consists of a team of qualified and experienced brokers who are situated all over England, supported by our Head Office administration team based in York. 

The Directors at What Life & Mortgages have a combined experience of around sixty years in the financial services industry. When you consider the entire team, our experience totals around one hundred and fifty years!

About What Life Mortgages

At What Life & Mortgages we offer a wealth of experience across a broad spectrum of the financial industry. We are a customer focussed organisation, who offer ongoing support to our clients both throughout the mortgage application process and beyond.

We provide full and unmatched administrative support, meaning our clients can enjoy a low effort, low stress experience. If you don’t believe us, check out our client testimonials!

We work with over ninety lenders, allowing us a wide ranging view of independent mortgage offers available across the market, so that we can find the most suitable deal for you.

We offer expert advice on:

  • Mortgages for First Time Buyers & Home Movers
  • Remortgages
  • Buy to Let Mortgages
  • Limited Company Buy to Let
  • Self-Employed & Contractor Mortgage
  • Equity Release
  • Family Life Insurance & Protection
  • Business Life Insurance & Protection


In addition to our main services, we can recommend Estate Agents and Solicitors to assist with the mortgage application process. We also enjoy close partnerships with a number of Wealth Management firms who can offer investment and pensions advice. 

Finally, we can direct you to Commercial Insurance Brokers who can provide business insurance and Estate Planning experts to assist with wills and trusts.

Our fees

We provide the initial consultations free of charge. Fees are only due from our clients once our adviser has secured a firm mortgage offer from a lender and our client requests an application for the mortgage to be made on their behalf. 

What Life & Mortgages are regulated by the Financial Conduct Authority (FCA). As such, we are obliged to adhere to the strictest levels of conduct and to deliver the highest quality of mortgage advice. All of our clients are protected under the Financial Services Compensation Scheme.

At What Life & Mortgages we like to see your home ownership dreams come true and we’re here to help you achieve just that!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.