No impact on your credit score
Updated October 2025
Trusted Mortgage Advisors
Need a trusted mortgage advisor (adviser) to compare your options today? We give clear, no-nonsense advice in plain English, search 130+ lenders and 25,000+ mortgage products, and help you get a Mortgage in Principle with no impact on your credit score. UK-wide support for first-time buyers, remortgages, movers and landlords.
Speak to a Mortgage Advisor
0800 0320 316
Who it’s for: First-time buyers, Remortgage/product transfer, Home movers, Buy-to-let/portfolio (incl. Ltd Co), Self-employed/contractors, Bad credit or complex cases, New build timelines
Typical timing:
- Mortgage in Principle: 15 minutes (soft search), AIP/DIP: same day once details checked
- Lender offer: typically 3–10 working days after full packaging
- Completion: 4–12 weeks depending on chain, valuation and legals
Pros:
- Tailored, independent advice
- Broker exclusive product access
- We handle paperwork and lender/solicitor liaison
- Mobile friendly, Digital Speed, Hassle Free
But:
- Broker/lender fees may apply (as much free no obligation advice as you need)
- ERCs and valuation outcomes vary
- Affordability & credit rules apply (no guarantees)
Next steps: Check live rates, Get your soft search MIP, Share goals/docs, We compare lenders & recommend, Decide and apply
Mini comparison (quick guide) – Full table here
- Mortgage advisor (broker): widest choice, personal advice, admin handled
- Your bank only: simple, but limited to one lender’s range
- DIY comparison: full control, but no tailored advice; higher risk of unsuitable pick
First Time Buyer: Free First Time Buyer Guide
Download your First-Time Buyer Guide
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Five Reasons to Use a Mortgage Advisor
Author: Sarah Mascot, CeMap qualfied mortgage expert.
A mortgage advisor finds the best possible rate for your exact circumstances.
Still have unanswered questions? Popular Questions Here
Trust & proof (why UK customers choose our mortgage advisors)
Trusted nationwide mortgage advisor service
- FCA-regulated, CeMAP-qualified advisers
- 130+ lenders, 25,000+ deals searched for you
- Soft-search MIP in ~15 minutes (no impact on your credit score)
- 2,500+ 5-star reviews and award-nominated service
Mortgage brokers compare thousands of deals from multiple lenders to find a suitable option tailored to your needs. Banks only provide their own products. Using a broker could mean access to better rates and advice on complex cases.
Pros include access to a wider range of products, market insight, time-saving administration, and support with complex scenarios. Cons might be broker fees and potential limitations with smaller, niche lenders.
A mortgage in principle, or decision in principle, gives an estimate of what a lender might offer based on your financial details. It doesn’t affect your credit score and shows sellers and agents that you’re a serious buyer.
For a full mortgage application, you’ll usually need ID, proof of address, last 3 months’ payslips, bank statements, deposit evidence, and details of any existing credit. For self-employed applicants, this might include accounts or SA302s.
Expect possible fees such as arrangement, valuation, and broker fees. Overpayment terms vary by lender, potentially including penalties if the mortgage is paid off early.
89% of successful mortgages are completed through a mortgage advisor. This is predicted to rise to 93% in 2026 according to IMLA, the Intermediary Mortgage Lender Association
Advisors explain the buying process, assess affordability, facilitate agreements in principle, and guide deposit planning and necessary documentation.
Mortgage advisors can identify lenders accommodating CCJs, defaults, or missed payments. They will review your credit file and recommend lenders whose criteria align with your circumstances, sometimes turning a declined application into an approval elsewhere.
Adverse credit can limit options but doesn’t make securing a mortgage impossible. Specialist lenders may offer products with higher interest rates, contingent on your credit situation.
Debt consolidation mortgages combine existing debts into your mortgage. This could result in lower monthly payments but potentially increases the overall payment term. Warning: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Yes, it’s possible to remortgage a residential property to a buy-to-let mortgage, depending on your lender’s criteria and your circumstances. Professional advice can assist in understanding tax implications and rental yield assessments.
Independent mortgage advisor support, UK wide
Online or by phone/video — get the same personal service whether you’re local or searching for a “mortgage advisor near me”.
A mortgage offer typically takes 1-4 weeks after full application submission, depending on the lender’s processing time and required valuations.
Ensure your bank statements reflect stable financial habits. Avoid excessive use of arranged overdrafts or unusual large transactions before applying. Routine spending like dining out is usually not an issue.
Yes, but it may involve exit fees or early repayment charges. Assess the total cost of staying versus switching to determine if the change is financially beneficial.
Yes, it’s advisable to have life insurance, critical illness cover, and income protection to mitigate financial risks. This ensures you can maintain mortgage payments during unforeseen circumstances.
Lifetime ISA funds can be used for purchasing a first home within certain price limits but not for existing mortgages. Using them otherwise incurs penalties.
What does a mortgage advisor do?
A mortgage advisor (also spelled mortgage adviser) compares lenders and products, checks your affordability, explains fees and features, and recommends a suitable option for your situation. We’ll prepare your application, liaise with the lender, valuer and solicitor, and keep you updated from Agreement in Principle to completion.
Get Your Mortgage in Principle 89% of successful mortgages go through a broker (Intermediary Mortgage Lenders Association) 15 Mins Get a Mortgage in Principle
| Option | How it works | Pros | Considerations |
|---|---|---|---|
| Mortgage advisor (broker) | Searches many lenders/products; gives tailored advice. | Wider choice, personal guidance, handles paperwork, broker-only ranges. | Broker fee may apply (confirmed up-front). |
| Your bank only | Offers just its own mortgages. | Simple if you already bank there. | Limited choice may cost more over the term. |
| DIY comparison | You research and apply yourself. | Control and flexibility. | No tailored advice; risk choosing an unsuitable deal. |
When a mortgage advisor really helps
- First-time buyers — deposit options, documents, clear next steps
- Remortgage or product transfer — compare your lender’s offer vs the wider market
- Bad credit / complex credit — specialist lenders and practical guidance
- Self-employed & contractors — present income correctly to the right lenders
- Buy-to-let & portfolio — stress-tests, limited-company structures, rate strategy
- New build — align mortgage milestones with developer deadlines
How our UK-wide mortgage advisor service works (6 steps)
- Quick chat & goals: plans, timeline and budget
- Soft-search MIP: no impact on your credit score; get mortgage-ready fast
- UK Wide market research: we compare suitable lenders and explain benefits
- Documents & application: we package and submit to the lender
- Valuation & updates: we liaise with lender, valuer and solicitor
- Offer to completion: we help you over the line and check in post-move
Prefer an online mortgage advisor?
Everything we do can be done from mobile. We work fully online by phone/video if you like: same personal service, UK-wide.
Digital Speed. Human Trust.
Fees & value (straightforward and transparent)
We’ll confirm any broker fee in writing before you apply and talk you through all costs. All advice is free, and there is no obligation to proceed. If you are happy and we find you the right product, then we charge an application fee.
Clients tell us the time saved, the admin handled, and the wider search across 130+ lenders often pays for itself over the term. There’s no obligation to proceed, and getting your Mortgage in Principle has no impact on your credit score.
Meet your mortgage advisors
Our team is CeMAP-qualified and experienced with first-time buyers, remortgages, buy-to-let, self-employed income and adverse credit. You’ll get one named adviser plus a support team to keep things moving quickly and clearly.
What clients say
We’re rated 5★ with 2,500+ reviews for clear explanations, quick responses and tailored options. You’ll always know what’s happening — and why.
Trust Pilot Review Summary of The Mortgage Broker after 2,500 reviews states:
Review summary
Based on reviews, created with AI
Read our Trust Pilot reviews here.
Live Rate Mortgage Finder %
Welcome to our live mortgage rate finder. This is just an indicative guide to help you see the sorts of rates that are accessible through some of the lenders we work with at The Mortgage Broker. It is always better to speak to a Mortgage Broker, as we can quickly understand your circumstances and access over 23,000 mortgage products through our panel of nearly 100 Mortgage Lenders. Not all lenders enable a live feed to their products, so this is just illustrating a segment of the market.
Mortgage advisor FAQs
A mortgage advisor compares many UK lenders, checks your affordability and credit file, explains product features and fees, and recommends a suitable mortgage. They also prepare your application and liaise with the lender, valuer and solicitor from AIP/DIP to completion.
Yes—an online mortgage advisor can deliver the same FCA-regulated advice nationwide by phone/video. You’ll still have a named CeMAP-qualified adviser and the benefit of wider lender choice than a single local branch.
Fees vary by case and will be confirmed in writing before application. You may also pay lender, valuation and legal fees. We’ll show total cost comparisons (rate + fees) so you can decide confidently.
Our MIP uses a soft search, so there’s no impact on your credit score. A full application may involve a hard check when you decide to proceed with a lender.
Yes—specialist lenders consider a range of credit histories. We’ll review your full credit file and map suitable routes; exact outcomes depend on lender criteria and your circumstances.
Yes. We present your income correctly (accounts, SA302s, day-rate) to suitable lenders and explain how affordability is calculated for self-employed and limited-company directors.
Yes—advisers can source personal or limited-company buy-to-let, including portfolio stress tests and product features relevant to landlords.
As early as possible—FTBs before viewing, movers before offers, and remortgagers 4–7 months before their Product End Date. Early advice helps you prepare documents and avoid delays.
A bank offers only its own products. A mortgage advisor compares many lenders, explains trade-offs and handles the admin—useful if you want wider choice and tailored guidance.
Advisers can access a wide panel and sometimes broker-exclusive products. We compare total cost (rate + fees) and suitability—sometimes a lower fee structure beats a headline rate.
Typically ID, address history, bank statements, income proofs (payslips or accounts/SA302s), deposit evidence and, for remortgages, your latest mortgage statement. We’ll send a tailored checklist.
A soft-search MIP can be ~15 minutes; lender offers often arrive within days once a case is fully packaged. Completion timing depends on valuation, legals and any chain.
Yes—advisers compare your current lender’s switch against the wider market, show the true total cost and manage the paperwork for either route.
Many do. We discuss protection alongside your mortgage so you can consider Life, Critical Illness and Income Protection options that fit your budget and needs.
Yes—we operate UK-wide by phone/video, so you get the same personal service wherever you live.
Clients value the wider lender choice, paperwork handled, and clear recommendations. We’re transparent on any fees and always explain pros, cons and alternatives before you decide.
Ready to speak with a UK mortgage advisor?
Fast, friendly and clear advice — nationwide.
Get a soft-search Mortgage in Principle and compare suitable options today.
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
For debt consolidation, securing debts against your home may reduce your outgoings but you will pay more in the long term. A broker fee may be payable; we will confirm any fee in writing before application.
The Mortgage Broker (London) Ltd, The Waterfront, Wyboston Lakes, Great North Road, Bedfordshire, MK44 3AL, United Kingdom.
- Tel:
0800 0320 316 - Email: enquiries@themortgagebroker.co.uk