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...
JLM Mortgage Services, mortgage broker reviews can help you to find the best mortgage broker for your needs. Smart Money People's platform offers you the chance to give insight into...
Sunland Mortgages offer a mortgage broker service. The team can help you whether you’re a first time buyer, want to remortgage or you’re ready to buy investment properties for buy to...
Mayfield Mortgages provide a comprehensive range of mortgages from across the market for a wide range of clients needs, including; first time buyers, shared ownership, remortgages, buy to let, portfolio...
Capital Financial Consultants specialise in offering independent mortgage advice for both residential and Buy to Let mortgages. Whether you’re a first-time buyer, want to raise additional funds by releasing equity...
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Frequently asked questions
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What is a mortgage broker?
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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.
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Do you need a mortgage broker?
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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.
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How to choose a mortgage broker?
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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.
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Should you use an online only mortgage broker?
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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.
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How much will a mortgage broker charge?
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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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