Broker or bank? Work out your starting budget, then choose the advice that fits your move. No jargon. One step at a time.
A little maths. A clearer move.
Find a starting point for your home search. No personal details, no credit check.
Illustration only: 4–4.5 × annual income before tax. This simple estimate does not account for spending, debts, dependants, credit history, age or lender limits. A lender may offer less, more, or decline.
Try the more detailed calculator →Your move, your choice
A bank can advise on its own mortgages. A broker compares the lenders it works with and helps with the application. Neither route guarantees approval or the lowest cost: compare the total deal, including fees.
What’s included
Payslips or self-employed accounts, income stability and how different lenders assess your earnings.
Debts, childcare, dependants and regular bills, so repayments are affordable alongside everyday life.
Where your deposit comes from, your credit history and whether the property fits lender criteria.
Fee-free brokers usually earn lender commission. A fee-charging broker may also earn commission. Paying a fee does not guarantee a better mortgage.
Ask which lenders are covered, what is excluded, the total fee, when you pay and whether it is refundable. Compare lender fees and the cost over the deal period too.
With Homemove, the first consultation is free. Straightforward cases are fee-free; any fee is confirmed in writing before you proceed.
Start your enquiry in about two minutes. Have proof of income, bank statements, ID and deposit evidence ready for your advice appointment.
A mortgage in principle can be quick, but it is not an offer. A full offer can take several weeks after application; lender checks, the valuation and complex income can add time.
Your adviser can explain the likely timeline for your situation. Never commit to a completion date on the strength of an estimate.
Live rates
Your home may be repossessed if you do not keep up repayments on your mortgage.
Further reading: MoneyHelper: choosing a mortgage and getting advice. Check your adviser or firm on the FCA Financial Services Register before proceeding. This page gives general information, not personal financial advice.
Movers, in their words
Excellent experience using Homemove - I would do so again
Kept up to date with all aspects
Honestly, you guys were fantastic. You supported me through every stage of the process—from the initial enquiry, to booking the survey, and all the way through to the follow-up afterwards. I received my Level 2 Home Survey report on the very next working day, which was incredibly impressive. The whole experience was smooth, professional, and efficient. I would highly recommend your service to anyone. Excellent value for money and outstanding customer service. Thank you!
Excellent experience using Homemove - I would do so again
Kept up to date with all aspects
Honestly, you guys were fantastic. You supported me through every stage of the process—from the initial enquiry, to booking the survey, and all the way through to the follow-up afterwards. I received my Level 2 Home Survey report on the very next working day, which was incredibly impressive. The whole experience was smooth, professional, and efficient. I would highly recommend your service to anyone. Excellent value for money and outstanding customer service. Thank you!
From our guides
Plain-English guides from the Homemove team, free to read.
Comprehensive analysis of 100% no-deposit mortgages in the UK. Skipton Building Society's offering, eligibility criteria...
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Comprehensive comparison of 2-year vs 5-year fixed mortgages. Compare rates, costs, flexibility, and security to choose...
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Comprehensive guide to amortisation in property finance including mortgage calculations, payment structures, investment...
Read the guideFAQ
Yes. Advice before viewing can help you set a budget and decide whether to get a mortgage in principle. A mortgage in principle is not a guaranteed offer.
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