The people behind MAN

Straight-talking advice from people who've seen it all.

We're not a call centre or a comparison site. We're a team of experienced advisers who pick up the phone, know your name, and stay with you until the mortgage completes.

Our story

We built MAN to do the work other brokers won't.

Mortgage Advisory Network started because we kept seeing the same thing: clients who could genuinely afford a mortgage being told no by lenders who hadn't looked hard enough. Self-employed applicants dismissed because they didn't have a payslip. Complex remortgages abandoned because they took effort.

We do the cases that take real knowledge and real effort. Not because we have to — because that's the whole point of being an independent adviser. We're not tied to a panel of three lenders. We're not processing volume. We're finding the right answer for each person who walks through the door.

The team between us has covered mortgage markets through the 2008 crash, the Middle East, the post-COVID rate environment, and every variation of self-employment and adverse credit in between. That breadth matters when your situation doesn't fit the standard template.

65+
Lenders across our panel
30+
Years combined experience
UK
Based in Harrogate, advising nationwide
Important: Your home or property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
The team

Who you'll work with

Three advisers. Direct contact. You'll always know who you're dealing with.

KG

Karl Gehrke

Mortgage Adviser & Director

Karl started in financial services during the 2008 credit crunch — the worst possible time to begin, which turned out to be the best possible training. Working through a downturn meant learning which lenders would say yes when others said no. That's been his edge ever since.

Complex cases, unusual income structures, situations that look tricky on paper — Karl's default setting is "let me see what I can do." The clients who've come back to him two, three, four times are the best indication of how that plays out.

AB

Angela Bartle

Mortgage Adviser & Director

Angela spent 25 years in mortgage markets — the UK and the Middle East, primarily with HSBC. She returned to the UK in 2012, became an independent adviser, and co-founded MAN.

Her clients keep coming back because she actually explains things clearly, answers the phone, and doesn't disappear after the application goes in. Twenty-five years in the market means she's seen enough to know exactly what a lender needs to hear — and how to say it.

SD

Steve Demaine

Mortgage Adviser

Steve started with the Royal Navy — two campaign medals — before moving into financial services with a global bank in 1995. Fifteen years of employed service, then MAN.

The military background isn't irrelevant — it's where the discipline and "get it done" attitude came from. Self-employed, commercial, development finance, expat mortgages — Steve's covered most corners of the market and approaches each case the same way: methodically, and without giving up early.

How we work

What you can expect from us

We pick up the phone

Not a call centre. Not a chatbot. You'll have a direct number for your adviser. If they're unavailable, they call back — they don't disappear.

We tell you straight

If your case is strong, we'll say so. If there's a problem, we'll tell you what it is and what can be done about it. No false hope, no vague reassurances.

We check 65+ lenders

We're not tied to a short list. When your case comes in, we're looking across the whole market — including specialist lenders most people have never heard of.

We stay until it's done

We don't submit the application and wish you luck. We manage the process through to completion — chasing solicitors, dealing with queries, fixing problems.

Authorisation & regulation

FCA regulated. Properly.

Mortgage Advisory Network is a trading style of Mortgage Advisory Network Limited. Mortgage Advisory Network Limited is an appointed representative of H L Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

Mortgage Advisory Network Limited is a company registered in England and Wales with Registration Number 9740756. Registered Office: 5 Ivegate, Yeadon, Leeds, West Yorkshire, LS19 7RE.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but will range from £100 to £750 and this will be discussed and agreed with you at the earliest opportunity.

Important: Your home or property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. The Financial Conduct Authority does not regulate some forms of Buy to Let.

Ready to talk?

Tell us what you need. We'll tell you straight what the options are.

Get in touch