Mortgage brokers by UK city
Independent, FCA-authorised mortgage brokers and advisers across 60 UK cities. Every city page explains what the local housing market means for your application — the property types lenders question, the mortgage situations that come up there, and the purchase tax and conveyancing rules that apply — alongside the firms listed locally. You contact advisers directly; we do not sell your details.
Start with your situation, not the rate
The cheapest advertised rate is irrelevant if the lender offering it will not accept your income, your deposit source or the property. First-time buyer, self-employed, adverse credit, buy-to-let and later-life cases are each assessed on different criteria, which is why the city pages break advisers down by situation.
Check the panel and the fee
Ask how many lenders the adviser can access and whether that is genuinely whole of market, restricted to a panel, or tied to one lender. Then ask what they charge you, and what the lender pays them. Both are legitimate models; you simply need to know which one you are in before you take advice.
Verify on the FCA register
Every firm listed here is authorised, but you should still check the firm and the named adviser on the Financial Services Register before you share financial details. It is free, public, and takes a minute. Confirm the firm is authorised for mortgage advice specifically.
Where you buy changes more than you might think
Mortgage products are UK-wide, but the transaction around them is not. In England and Northern Ireland you pay Stamp Duty Land Tax; in Scotland, Land and Buildings Transaction Tax with an Additional Dwelling Supplement on second homes; in Wales, Land Transaction Tax, which has no separate first-time buyer relief. Scotland also runs a different process entirely — sellers provide a Home Report before marketing, homes are often sold at a closing date, and missives conclude earlier than exchange of contracts does south of the border. Northern Ireland shares England's purchase tax but has a narrower lender panel and its own Co-Ownership shared-equity scheme.
Property type matters locally too. Leasehold flats raise questions about lease length, ground rent and building safety that Scottish flats simply do not have; former local-authority stock, back-to-back terraces in West Yorkshire, Tyneside flats in the North East and post-war system-built housing across the Midlands all narrow the lender panel in ways that have nothing to do with your income. Each city page below sets out what applies where.
Mortgage brokers in Scotland
Mortgage brokers in Northern Ireland
Mortgage brokers in North East
Mortgage brokers in North West
Mortgage brokers in Greater Manchester
Mortgage brokers in Merseyside
Mortgage brokers in Yorkshire
Mortgage brokers in West Yorkshire
Mortgage brokers in South Yorkshire
Mortgage brokers in West Midlands
Mortgage brokers in East Midlands
Mortgage brokers in East of England
Mortgage brokers in Wales
Mortgage brokers in South West
Mortgage brokers in South East
Mortgage brokers in Greater London
Browse by mortgage situation
Every specialism is available for every city — pick a city above, then narrow by the kind of case you have.
Choosing a mortgage broker: common questions
- Do I need a mortgage broker in my own town?
- No. Mortgage advice is regulated to the same standard across the UK and most of it is now given by phone and video, so a broker two hundred miles away can advise you perfectly well. A local adviser still adds something on the property side — knowing which lenders accept the construction types, tenures and quirks common in your area, and which nearby conveyancers actually move at the pace of a chain.
- Does where I live change the mortgage I can get?
- The products are UK-wide, but three things do vary by location. Purchase tax differs: England and Northern Ireland use Stamp Duty Land Tax, Scotland uses Land and Buildings Transaction Tax, and Wales uses Land Transaction Tax, each with its own bands and reliefs. The buying process differs — Scotland uses Home Reports and concludes missives earlier than exchange of contracts. And the lender panel is narrower in Northern Ireland, where several UK lenders do not operate.
- How do I check a mortgage broker is legitimate?
- Search the firm and the individual adviser on the Financial Services Register, which is free and published by the FCA. Check the firm is authorised for mortgage advice specifically, not just for insurance. Then ask two questions directly: how many lenders they can access, and what they charge you as well as what they are paid by the lender.
- What should I have ready before the first conversation?
- Your deposit amount and where it is coming from, three months of payslips and bank statements, your last two or three years of tax calculations if any income is self-employed, and a list of your existing credit commitments. Those commitments matter more than most borrowers expect: car finance and credit-card balances can reduce your maximum loan by several times the monthly payment.
- Is a fee-free broker better than one that charges?
- Neither is automatically better. A fee-free broker is paid a procuration fee by the lender; a fee-charging broker is usually paid by both. What matters is whether the adviser covers enough of the market for your situation and whether the total cost — their fee plus the product fee plus the rate over the deal period — is competitive. Specialist cases such as adverse credit, HMOs or complex self-employment often justify a fee.
All broker profiles
Every public MortgageMatch profile, by firm name and location.