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Search independent UK mortgage brokers and advisers by firm name, town, postcode or the kind of case they handle, then contact them directly using their own published details. MortgageMatch takes no lead-generation fees and runs no lead auction, so no broker can pay to appear higher in these results.

How to choose a mortgage broker

A mortgage broker, also called a mortgage adviser, works out which lenders are likely to accept you and arranges the application on your behalf. Because lenders differ enormously in how they treat self-employed income, credit history, new-build property and age, the right broker for your circumstances usually matters more than any single headline rate. Five things are worth doing before you commit.

  1. 1.Match the broker to your circumstances

    A self-employed applicant with two years of accounts, a first-time buyer with a gifted deposit and a landlord expanding a portfolio need different lender knowledge. Filter for that first.

  2. 2.Ask how much of the market they can access

    A whole-of-market adviser can look across most lenders. A panel or tied adviser is restricted to a smaller list. Neither is wrong, but you should know which you are speaking to before you take a recommendation.

  3. 3.Get the cost in writing

    Ask what you will pay, what the lender pays them, and at what point any fee becomes payable or refundable. An adviser has to disclose their charges to you in writing anyway, so asking early is routine.

  4. 4.Check the firm on the FCA Register

    Mortgage advice is regulated. Look the firm up on the FCA Financial Services Register to confirm it holds the right permissions, and check the adviser works for that firm.

  5. 5.Speak to more than one

    Initial conversations are almost always free and without obligation. Comparing two or three advisers tells you a lot about who actually listens to your situation.

What the filters mean

Specialism
Specialisms describe the kinds of case a firm handles, from first-time buyers and self-employed applicants to buy-to-let, adverse credit and later-life lending. Pick the one that matches your situation rather than the one that sounds most impressive. If your case is unusual, experience with it matters far more than a headline rate.
Location
Search by town, city or postcode to find advisers near you. Most UK mortgage advice is now given by phone or video, so a broker does not have to be local, but local firms often know the quirks of a regional market, from Scottish closing dates to Welsh Land Transaction Tax.
Fee structure
Fee-free firms are paid by the lender on completion. Fee-charging firms also charge you, often a few hundred pounds, sometimes payable on application. Where a firm has not published its fees we mark it as not specified rather than guessing.

You can combine filters, for example self-employed advisers in Leeds who do not charge a client fee. If a combination returns nothing, widen the location before you drop the specialism: the specialism is usually the part that matters.

Fee-free or fee-charging: what it actually means for you

Every mortgage broker in the UK is paid something. A fee-free broker is paid only by the lender, through a procuration fee paid when the mortgage completes. A fee-charging broker takes a fee from you as well, or occasionally instead. Fee-charging firms are not automatically worse value.

Fee-free

Nothing to pay directly. Good for straightforward cases where a mainstream lender is likely to say yes. Worth asking whether the adviser can access lenders that pay a lower procuration fee, and whether protection products are part of how they are paid.

Fee-charging

You pay the adviser as well. Often justified on complex cases, such as adverse credit, unusual income, portfolio landlords or non-standard construction, where the work involved is much greater. Ask what the fee buys, when it is payable, and whether it is refundable if the case does not complete.

Whichever you choose, ask for the total cost in writing before you proceed, and compare it against the product itself. A fee that unlocks a materially cheaper mortgage can pay for itself many times over; a fee that gets you the same deal you would have got anyway does not.

Questions worth asking on the first call

  • Are you whole-of-market, or do you work from a lender panel?
  • What will this cost me in total, and when does it become payable?
  • What does the lender pay you if my mortgage completes?
  • Have you placed cases like mine recently, and with which sorts of lender?
  • What happens to my rate if the purchase drags on and the offer expires?
  • Will you also arrange protection or insurance, and are you paid for that separately?
  • Who handles my case day to day, and how will you keep me updated?

Before you call, it helps to have a rough idea of your numbers. Our free mortgage calculators give you an estimate of repayments, borrowing and stamp duty in a couple of minutes, so the conversation can start from something concrete.

What MortgageMatch does differently

  • No lead auction. Your enquiry is not sold to three brokers who then compete to call you first. You choose who to contact.
  • Direct contact details. Listings show the firm's own phone, email and website, so you speak to the adviser rather than to a call centre.
  • No paid ranking. Brokers cannot buy a higher position, a featured slot or a badge. Our editorial standards set out how the directory is compiled and corrected.
  • Free on both sides. Free for you to use and free for firms to be listed, so the directory is not shaped by who is paying.

MortgageMatch is a directory, not a regulated adviser. We cannot recommend a mortgage or a firm to you, and we do not give mortgage advice.

Frequently asked questions

How do I choose a mortgage broker?

Start with your situation rather than the firm. Filter for the specialism that matches you, such as first-time buyer, self-employed, adverse credit or buy-to-let, then check how the broker is paid, how much of the market they can access, and confirm the firm on the FCA Financial Services Register. Speaking to two or three advisers before you commit is normal and costs nothing.

What is the difference between a fee-free and a fee-charging mortgage broker?

A fee-free broker charges you nothing and is paid a procuration fee by the lender when your mortgage completes. A fee-charging broker takes a fee from you as well as, or instead of, that lender commission. Neither is automatically better value: a fee-charging broker may spend far more time on a complex case, and a fee-free broker is not free to the lender. Ask for the total cost in writing, and ask when it becomes payable.

Do I have to pay to use MortgageMatch?

No. MortgageMatch is free to use and free for brokers to be listed on. We take no lead-generation fees, we do not sell your details, and brokers cannot pay to rank higher in these results.

Are the brokers listed on MortgageMatch FCA-authorised?

The directory lists UK firms that advertise mortgage advice. Mortgage advice is a regulated activity, so the firm should appear on the FCA Financial Services Register. We link to the Register from every profile so you can confirm a firm's permissions yourself before you take advice.

What does the fee filter mean when a broker has not specified fees?

It means the firm has not published its fee structure in a place we could record it, not that it is expensive or hidden. Ask the firm directly on your first call: an adviser must give you a written illustration of their charges before you proceed.

Can MortgageMatch recommend a mortgage for me?

No. MortgageMatch is a directory and a set of free tools, not a regulated adviser, so we cannot recommend a product or a firm. Only an FCA-authorised adviser can make a personal recommendation based on your circumstances.

Browse another way

Prefer to start from where you live? See mortgage brokers by city, read our guides for buyers and remortgagers, or tell us about an inaccurate listing.