The Mortgage Broker: The UK’s Best Independent Mortgage Broker.

A mortgage broker searches the market on your behalf, comparing thousands of deals from 130+ lenders. They’ll assess your income, deposit and goals, then match you to the most suitable mortgage. This saves you time, money, and stress compared to going direct to a bank. Watch our video below on why to use a mortgage broker.

Yes. A broker can unlock exclusive rates not available directly to the public, handle all the paperwork, and advise on complex cases like self-employed, bad credit, or buy-to-let. Independent advice ensures the deal works for you, not just the lender.

Five Reasons to Use a Mortgage Broker

A mortgage broker finds the best possible rate for your exact circumstances.

Many brokers charge a fee, and this can range. The Mortgage Broker offers free advice throughout the process, but do charge a broker fee if you proceed. The Mortgage Broker’s fee is on average just £284.00, much lower than the industry average.

In most cases, yes. Banks only offer their own products, whereas The Mortgage Broker can compare 25,000+ mortgage rates. This often leads to lower monthly payments and more flexible lending options.

The terms are often used interchangeably. A broker typically has access to the wide market, while an advisor may work for one bank or lender only. Independent brokers like us give unbiased advice across thousands of mortgages and over one hundred lenders.

Absolutely. First-time buyers are a big part of what we do. We help with affordability checks, Mortgage in Principle, deposit planning, and explaining the process step by step — so you feel confident making your first offer.

Read our first time buyer guide here. 

Yes. We specialise in finding lenders who accept CCJs, IVAs, defaults, or missed payments. Even with poor credit history, a broker can improve your chances of approval by matching you with flexible lenders.

Read more about bad credit mortgages here.

Yes. We help hundreds of clients with bad credit, missed payments, or non-traditional deposits (like gifted deposits or 0 %-deposit schemes) access the right mortgage options. The Mortgage Broker have High Street Lenders through to Specialist less well known lenders, and the key is knowing which lenders have more flexible criteria for certain types of bad credit.

With The Mortgage Broker, you can get a soft footprint Decision in Principle within 15 minutes. This shows sellers and estate agents you’re a serious buyer, without affecting your credit score.

Yes. We advise landlords and investors on buy-to-let mortgages, including portfolio and limited company lending. We also help homeowners remortgage for better rates, equity release, or debt consolidation.

We are one of the UK’s most trusted mortgage brokers with 2,500+ 5-star Trustpilot reviews. Our advisers are FCA regulated, independent, and dedicated to giving you fast, transparent, human-first advice; backed by decades of expertise.

An independent mortgage broker searches the market for the right mortgage that fits the customers circumstances. Working for the customer, not the mortgage lender, means a mortgage broker can independently advise on the right products, can access all lenders for the most suitable mortgage and best rates and support the customer throughout the whole process.  Mortgage Advisors at banks can only advise on their own mortgage products. Some mortgage brokers are tied to a small panel of lenders.  The more lenders, the more choice and tailored advice to specific circumstances.

Yes, especially if you want expert guidance, access to exclusive deals, or you are unsure what you can borrow or whether you are applicable for a mortgage. A mortgage advisor helps you understand your options, avoid delays, and secure the best rate for your circumstances, all while handling the admin for you. A mortgage advisor can get you a decision in principle within 15 minutes with just a soft credit check.

Read our article here on “Why Use a Mortgage Broker”

Yes. That’s why we are here.

We partner with over 130 lenders, which totals over 25,000 mortgage options. Our service includes specialists across all types of complexities and circumstances. And when it comes to bad credit – please don’t worry. 8.38 million people have missed a payment, have bad credit, defaults or debt management plans. Its very normal and we have an extremely empathetic team to help you.

We only offer advice via real people, with hands on knowledge, who will advise you on your bespoke circumstances.

You get dedicated support from start to finish from a dedicated adviser and our admin support service.

No.

A mortgage broker can do what is called a “soft foot print” – which means you can get your mortgage information without it affecting your credit score. No full credit search is ever done without understanding your position.

If you’re not 100% sure, the safest way is to ask one of our team – contact form

Don’t worry, this can sometimes happen!

We have helped many customers overcome a declined mortgage application. On occasion, it may actually be in your best interests to try a lender with a lower rate, even though a risk of being declined.  Whatever the reason, we will advise you all the way through, and maintain our support until you get the result you need and we will always have your credit score and finances protected.

Nothing. All our initial advice and access to rates, is free. No matter how many times we speak.

We do charge a fee at The Mortgage Broker, if we go ahead and get your mortgage done for you after that. We do not shy away from our fee structure as we are specialists in what we do and we will save you money. We are already below average in our price, but we spend a lot of time on your case and circumstances, and we know the market inside out, which takes a lot of time and research.

Our service leaves no stone unturned, you get advice from start to finish and you will get a more cost-effective outcome. You also get access to 24/7 Mortgage monitoring, protection specialists and general insurance specialists, which are compulsory products by Mortgage Lenders.

Yes, many lenders offer high-value or large loan mortgages specifically for London buyers. Property prices are typically higher in the capital and we regularly help clients secure mortgages of £500,000 to £2 million+, even with complex income, bonuses, or self-employed status. As an independent mortgage broker in London, we can access exclusive large loan products and private bank solutions as well as advise you digitally or personally; whichever you prefer.

To get a £1 million mortgage in London most lenders require a combined income of around £200,000, depending on deposit, credit score, and existing commitments. However, some specialist lenders, particularly for high-net-worth clients, will offer more and accept lower income multiples if you have significant assets, bonuses, and/or property equity. Structuring this correctly is very important to ensure we meet lender criteria and secure approvals fast.

Because London’s mortgage market is competitive and complex, using a broker gives you a serious advantage when it comes to finding the right deal quickly. With the ability to do a same day mortgage in principle, based on a search of over 130 lenders, The Mortgage Broker can ensure your application is packaged correctly and submitted to the right lender.

The most common type of mortgage you are likely to be aware of, a fixed rate mortgage has a fixed interest rate that will stay the same for a set amount of time. The main advantage of this is that you are protected from volatility in the market and from rises in interest rates. Fixed terms typically come in two, three or five years, though some are available up to ten years.

A fixed mortgage is great for giving you peace of mind, your repayments will stay stable for years no matter the fluctuations in the interest rate. Budgeting for each payment remains consistent and easy to deal with though if rates fall, you won’t be able to take advantage and there may be early repayment charges if you need to end your mortgage before the term is up.

These mortgages feature a variable interest rate, but are not variable mortgages. Don’t worry, we’ll explain! A tracker mortgage uses the Bank of England’s base interest rate and then through the changes in this, your repayments change depending on this rate. The Bank of England’s rate is the rate that high street banks use when borrowing money and is decided on the first Thursday of each month.

The basic difference between tracker and variable rate mortgages is that the variable is set on the lender’s own interest rates, whereas tracker mortgages are tied to an external rate that your lender follows. The upside of this is that, in general, a tracker mortgage can work out as cheaper than the others. Obviously, any volatility in the market and the economy is going to be reflected in the interest rate and so there is an element of uncertainty involved. Tracker mortgages are usually available for two, three, five or ten years.

A variable rate mortgage is usually an option you’ll be presented with after the term on your fixed rate mortgage ends. Although a risky option, these mortgages are a double-edged sword, prey to the whims of your lenders interest rates. The major upside is that if the interest rates decrease so too will your mortgage payments, on the flipside, if the interest increases then your payments will go up.

Obviously, unpredictability is the main problem. Unlike a tracker mortgage, a variable mortgage doesn’t have to strictly follow the interest rate set by the Bank of England. If you choose, you can go straight on to a variable mortgage rather than a fixed rate one, though we wouldn’t recommend this as a first option. The flexibility of a variable rate mortgage does give you the ability to switch to another deal or provider with no restrictions whatsoever. Budgeting with a variable mortgage can also prove to be a challenge but it isn’t an option you should disregard outright, with careful planning, the freedom of a variable mortgage is advantageous.

The payments on this type of mortgage only cover the interest charges, and don’t touch the amount of the original loan. What’s great about an interest only mortgage is that your monthly payments will be much lower than on a repayment mortgage. What isn’t great about this type of mortgage is that at the end of your term, you won’t have paid off anymore of the original amount you borrowed. With an interest only mortgage, any lender worth their salt won’t even want to put you in the position to take this type of mortgage if you are unable to cover the whole sum, so it isn’t the most common type of mortgage that’ll be offered.

Even though this is a rare type of mortgage, it is mostly found in buy-to-let properties. This option is valuable for buy-to-let landlords as you have lower monthly repayments and can put aside the profits from rented accommodation and pay the full capital when the term of the mortgage ends. Because of the nature of an interest only deal it is viewed as particularly high-risk by lenders, and there is also the danger that any disruption to your cash flow may leave you unable to pay the entire amount at the end of the term.

If you have a large amount of savings, this option may be the best for you. The value of your savings is deducted from the complete amount of your mortgage. Because of this, your monthly repayments are lower, and the higher the amount of your savings, the less interest you’ll pay. What tends to happen with this type of mortgage is that you won’t gain any interest on your savings. Your savings are placed in an offset savings account with your provider, then that value is used to “offset” against your mortgage.

Offset mortgages are available as an option when you choose any of the other mortgage types. You can get great savings every month, and it’s also a fantastic way of helping a family member get on the property ladder.

Sam Kirtikar is a highly experienced financial services leader with a proven track record in building customer-centric, solution-driven mortgage and protection advice businesses. With a background in debt management, law, and fintech, Sam completed a management buyout of The Mortgage Broker (London) Limited, having joined in 2020 as a consultant to support the journey. Sam is passionate about helping people navigate financial complexity through top quality advice delivered with clarity and care. He combines strategic insight with hands-on expertise to deliver mortgage and protection solutions tailored to individual circumstances. As CEO of The Mortgage Broker Group, Sam leads with a relentless focus on outcomes, transparency, customer service and long-term relationships; ensuring clients receive not just advice and guidance, but real answers from a business that puts people first and focuses on long term solutions.

Read More about Sam’s experience here. 

With over two decades in financial services, Kevin brings a wealth of knowledge and a results-driven mindset. Having worked at every level within financial services, Kevin is a CeMAP Qualified Mortgage Advisor who has specialised in helping mortgage clients with all kinds of backgrounds; whether first-time buyers or those with complex credit profiles—secure the right mortgage and protection solutions.

Read More about Kevin’s experience here. 

Clare has worked within financial services all throughout her career, having started in a high street bank straight from school. Having been a mortgage advisor for 11 years, and now with The Mortgage Broker for nearly 20 years, Clare has seen huge change in the mortgage industry, and played an integral operational role within The Mortgage Broker (London) Limited, and the Group as a whole.

Read More about Clare’s experience here. 

Sam has a vast amount of experience across Mortgages, with a specialist background from a leading New Build Mortgage Broker. Since then, Sam has gone on from Mortgage and Protection Advice, to Sales Management with a passion for guiding The Mortgage Broker advisors. Sam joined The Mortgage Broker London Limited in July 2024 and plays an integral role within our service.

Read More about Sam’s experience here. 

Jodi is a highly experienced, multi-award winning Mortgage Advisor who is a specialist in the complex mortgage arena. Individuals with bad credit through to new landlords, experienced landlords, limited company BTLs and HMOs. Jodi, is extremely passionate about self employed mortgages and contractor mortgages, having strong relationships with accountants, to help all self employed clients understand that mortgages ARE possible! Jodi has been with The Mortgage Broker (London) Ltd since 2005!

Read More about Jodi’s experience here.

Clive has been a lead mortgage advisor for over 20 years with a claim to fame of collecting a Mortgage Broker of the year award, from Sir Geoff Hurst, whilst representing The Mortgage Broker London Ltd.  Clive knows the property market inside out, and is highly experienced across First Time Buyers, Home Movers, BTL’s and Remortgages.

Read More about Clive’s experience here.

Adrian has extensive experience across Financial Services having worked within consumer credit for over 10 years. As  a mortgage broker in London, Adrian is very commercial, and understands the requirements to service Estate Agents and Customers. Adrian is extremely passionate about delivering clear, concise information and explaining the rationale behind his advice – ensuring access to advice across the whole process from property search through to completion and beyond. Adrian joined The Mortgage Broker (London) Limited in 2024.

Read More about Adrian’s experience here.

Harrison is a very experienced and well rounded mortgage & protection consultant, having cut his teeth in a market leading advisory service across the UK. It was Harrison’s approach to helping people throughout their home buying process with jargon free, top quality advice, that really caught the attention of The Mortgage Broker. With knowledge across Estate Agency processes, and a really thorough approach to good customer service, Harrison is a leading mortgage advisor within The Mortgage Broker.

Read More about Harrison’s experience here.

Sarah is a specialist mortgage broker helping our customers with bad credit mortgages and other financial difficulties. With vast experience in debt management arrangements, Sarah joined The Mortgage Broker from Payplan Financial Services, where helping clients in DMP’s and IVA’s was her everyday focus. Having worked in mortgage administration for many years first, Sarah’s detail is second to none when it comes to adverse mortgages and understand a full set of circumstances. Sarah support all our advisers across The Mortgage Broker London Limited, with knowledge and training of adverse mortgages.

Read More about Sarah’s experience here.

With over 10 years experience within property services, John brings to The Mortgage Broker a real depth of knowledge across the house buying process. Whether a first time buyer getting your first mortgage, or an experienced landlord, you will benefit from John’s guidance through the journey. John offers clear, honest advice and with that; has quickly become a leading broker within The Mortgage Broker London’s employed team.

Read More about John’s experience here.

The Mortgage Broker are lucky to have Mortgage Advisor’s like Ady, who take every step possible when ensuring our customers receive excellent customer care. However complex your scenario The Mortgage Broker London Limited can find solutions, and that is because Mortgage Advisor’s such as Ady are passionate about overcoming complex scenario’s and finding our customers suitable and affordable outcomes.

Read More about Adrian’s experience here.

Put simply, using a mortgage advisor vastly improves your chances of finding an affordable mortgage. A mortgage advisor is experienced in searching the entire market, not just the offers of one lender, so you are far more likely to get a more suitable mortgage for your personal needs. The Mortgage Broker has access to over 23,000 mortgage products; as a result, finding the best deal for you becomes a certainty.

If you are self-employed, a contractor, or have complex financial issues, you’ll find it harder to get a mortgage from well-known high street lenders. We know that finding a mortgage broker for self-employed people is a pain. Our mortgage advisors work with specialist lenders that offer deals not available on the high street and will deal with every case with a depth of knowledge and understanding you won’t find by going straight to the lender.

Using a mortgage advisor removes the stress from the process of researching and applying for a mortgage. We make sure we’re with you every step of the way, not just through the application process but after submission to help support you with all the legal requirements, ensuring completion occurs without a hitch.

Being a completely independent mortgage broker, our mortgage advisors have no bias toward one particular lender over another. We pride ourselves on listening to your needs first, and finding mortgage deals unique to your personal circumstances and specific financial needs. We are able to offer this service around the UK with our extended team being available in the north, central England and a mortgage broker team in London.

Duty bound to be regulated, mortgage advisors give you advice that you can trust. They work tirelessly to provide advice that is compliant that you can be sure is from a qualified professional.

The mortgage regulator wants to ensure that you, the customer, is treated fairly when using a mortgage advisor. To that end, consumer duty has been introduced across the financial services industry. What this means to you is that you know you’ll receive the correct service and support from your mortgage advisor, no matter your personal, professional and financial circumstances.

Not only will our mortgage advisors find the best deal for you, if you decide, they can also support you with insurance and protection advice. This is vital to securing your financial future and safeguarding your home. Getting home insurance is a requirement of mortgage lenders and this can easily be arranged through your mortgage advisor.