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Best Mortgage brokers

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4.92

Based on 1488 reviews

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Habito can provide your mortgage, legal work and property survey all in one place. If you just need a mortgage, then Habito’s advice and support is free as they get paid...

4.96

Based on 2393 reviews

A product by Mojo

Mojo is a free online mortgage broker. It takes around eight minutes for Mojo to find you the most suitable deals. You can book a call anytime including evenings and weekends....

4.95

Based on 2820 reviews

A product by Tembo Money

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2025 Winner
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Tembo is an award-winning mortgage broker in the UK. Tembo’s smart technology can check mortgage eligibility in seconds by searching over 100 lenders and affordability boosting schemes. You get a personalised...

4.92

Based on 1488 reviews

A product by Habito

Habito can provide your mortgage, legal work and property survey all in one place. If you just need a mortgage, then Habito’s advice and support is free as they get paid...

4.91

Based on 239 reviews

A product by Bright Money Independent

Bright Money Independent is a mortgage broker. The team helps with all mortgages including remortgages and buy-to-let. Bright Money Independent search for the right rates from a comprehensive range of mortgage...

At Smart Money People we want to make it easy to compare your financial product options with our approach to rankings.

We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.

It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.

4.88

Based on 2751 reviews

A product by L&C Mortgages

L&C is a UK based mortgage broker. You don’t pay any fees to use the L&C mortgage broker service as they are paid by lenders. If a better deal becomes available...

4.85

Based on 125 reviews

A product by Hua Yin Finance

Hua Yin Finance supports clients across every stage of their property journey. Hua Yin Finance Limited is an FCA-authorised, whole-of-market mortgage broker based in London. They specialise in providing tailored mortgage...

4.79

Based on 100 reviews

A product by Moneybox app

Financial services app, Moneybox, helps people save, invest and buy a home through digital mortgages. The app also has free tools and educational content to help you manage your finances...

4.75

Based on 159 reviews

A product by Heron Financial

Heron Financial is a B Corp mortgage broker in the UK. The team can help with all types of mortgages including standard residential, first-time buyer and specialist lending. Heron Financial reviews help...

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Best mortgage brokers rankings

Frequently asked questions

What is a mortgage broker?

A mortgage broker is a type of credit broker who acts on behalf of a borrower to find them the best mortgage deal. They also help borrowers find out how much they can borrow and then support them through the application process.

Do you need a mortgage broker?

You don't technically need to use a mortgage broker, as you can apply directly to a bank or building society yourself. But using a mortgage broker when applying for a mortgage or remortgage can get you a deal with better rates than if you searched independently for the best mortgage lender. Mortgage brokers have access to a broader view of the market, enabling them to find you the best deal - saving you time and money in the long run.

How to choose a mortgage broker?

It's vital to use a qualified and registered mortgage broker regulated by the Financial Conduct Authority (FCA) so you can trust their advice and recommendations. One of the best ways to find a mortgage broker is to hear about others' experiences. Read our reviews of mortgage brokers from real customers to help you choose a broker that suits your needs.

Should you use an online only mortgage broker?

This really comes down to personal preference. Some people prefer to work with a mortgage broker with a physical office or branch so they can attend in-person meetings, but this isn’t essential. Both physical and online mortgage brokers will have access to the same mortgage lenders and rates they’re able to find for you. But if you have questions about the process or your circumstances are more complex, you might be better suited to a mortgage broker who offers in-person contact. You can see more information on the differences between digital and traditional mortgage brokers in our guide.

How much will a mortgage broker charge?

Some mortgage brokers don’t charge any fees and instead receive a commission from the lender, whereas others can charge up to £500 for their time and advice. In some cases, mortgage brokers will receive both a fee from you and a commission from the lender. The cost of your mortgage broker will depend on who you choose, your circumstances and the kind of advice you require, but you’ll normally be able to get a quote from them before committing to their service.

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