Mortgage & Protection Advice
Mortgages. Made Personal.
Technology to make things faster. Expert advice when it matters. Lockhart Murphy combines smart digital tools with personal mortgage advice to help you buy, remortgage, protect and finance property with confidence.
Residential · Buy to Let · Specialist Finance
£0m+
In lending arranged
0+
Lenders on our panel
0+
Years of combined experience
0+
Google reviews · 4.9★
What are you looking to do?
Lockhart Murphy Mortgage Passport™
Your mortgage readiness assessment.
Tell us about your income, deposit and plans. We’ll show you where you stand and the most appropriate next step to take.
This is an initial readiness assessment, not a mortgage offer or a lender Agreement in Principle. It does not guarantee that a mortgage will be available. Lending is subject to affordability, lender criteria, credit assessment and the property. The exact amount will be verified by a Lockhart Murphy adviser — this figure is only an indication based on the limited information provided so far. An adviser may subsequently obtain a formal lender Agreement or Decision in Principle where appropriate.
Your Lockhart Murphy Mortgage Passport
Strong Starting Position
Reference LM-2408-4721 — for James
Indicative borrowing
£285,000 – £370,000
Your Position
Income
Salary verified — strong affordability base.
Deposit
25% deposit puts you in a strong LTV band.
Credit profile
No adverse credit noted.
Commitments
Car finance reduces maximum slightly.
Employment
Employed full-time — straightforward to evidence.
Illustrative example — your own Passport is generated from your answers.
Human Advice.
Every recommendation comes from a qualified adviser. Technology makes things faster. The judgement is always human.
Smarter Technology.
Start your journey any time, without waiting for a call back. By the time you speak to an adviser, you'll already know where you stand.
Always Reachable.
WhatsApp, phone or a booked call. Your adviser is a real person and you can reach them the way that works for you.
Ready to find out where you stand?
Create your Mortgage Passport in minutes — no credit check, no commitment.
Meet Murphy
Your personal mortgage guide.
Murphy is your starting point. Ask about affordability, the buying process or anything in between and get a clear, useful answer any time of day.
When your situation calls for a qualified adviser, Murphy will say so and help you take the next step. No calls made before you're ready.
Handled by AI — complex cases are always referred to a qualified adviser.
Our Values
The principles behind every piece of advice we give.
Honesty
We tell you what we think, not what you might want to hear. If something isn't the right move, we'll say so and help you understand what is.
Integrity
Every recommendation is based on what works for your situation. Not on which product earns the highest commission.
Respect
Your time and your decisions belong to you. We explain the options clearly and let you choose.