Get expert advice with a fee-free mortgage broker

A mortgage broker sits between you and the lenders you could borrow from. They review your financial position and what you need from a mortgage, then search the market for suitable options. Some of those deals come from lenders that are not available direct to the public. They also guide the application through each stage, which can strengthen your chances of approval.

Choosing a fee-free mortgage broker means getting professional advice without paying broker fees. Our brokers are paid by lenders when your mortgage completes successfully, so you receive their support at no additional cost. We can save you time, and sometimes money too, by finding competitive deals and taking care of the application work for you.

Yes, they can. Mortgage brokers often help people with bad credit by looking at lenders that accept adverse credit histories. We can also talk you through ways to improve your eligibility and point you towards lenders that may be more likely to approve your application.

The wait for a mortgage offer depends on the lender and on your circumstances. In many cases, it takes between 2 to 4 weeks from application to offer. Our mortgage brokers help keep things on track by making sure the required documentation is sent in promptly and accurately.

Mortgage brokers mainly deal with mortgages, but many also advise on related products. That can include insurance, such as life insurance or home insurance, along with protection policies. We can help you check that the right cover is in place when you buy a property, though mortgage advice and lending solutions remain the main focus.

Yes, mortgage brokers must follow data protection rules, including the General Data Protection Regulation (GDPR). Personal information has to be handled securely and used only for providing mortgage advice and arranging your mortgage. We treat your data as confidential and do not share it with third parties without your consent.

Yes, brokers can help with buy-to-let mortgages. They understand the lending criteria and property investment rules that apply to this part of the market. If you are taking on your first rental property, or adding to a portfolio, we can help you look for competitive buy-to-let deals and manage the application process.

A bank can only offer its own mortgage products. A mortgage broker can look across a wide range of lenders and products instead. That means we can compare more options for your circumstances, and we also stay involved throughout the application process, which helps if your case is less straightforward or you are not yet sure which mortgage suits you best.

Mortgage applications usually need proof of identity, proof of address, and proof of income. That might mean a passport or driving licence, utility bills, recent payslips and P60s if you are employed, or tax returns and accounts from the past few years if you are self-employed. Your mortgage broker will tell you exactly what is needed and help you pull the paperwork together.

The deposit lenders ask for can vary, though at least a 5% deposit of the property's value is common. A bigger deposit, such as 10% or more, can open up better mortgage rates and improve your chances of approval. We can advise on the deposit amount that makes the most sense for your circumstances.

Yes, self-employed applicants can get mortgages. Lenders often want extra proof that income is steady, which may mean two or more years of accounts or tax returns. A mortgage broker can help you find lenders that are more open to self-employed applications and guide you through the documentation side of the process.