No impact on your credit score
Top Rated Score of 5.0 on Google and Trust Pilot with 2,500+ reviews
A warm welcome from The Mortgage Broker
You are in the right place if you want peace of mind, accessing 130+ lenders with one trusted broker. Yes, we have all the digital tools and can monitor the lowest rates across the UK instantly; but more importantly for you, we offer real quality advice with specialist experts in what mortgage lenders look for, ensuring you get guidance and access to the lowest rates possible. Call us or book a free appointment to get a same day mortgage in principle, trusted advice, or search & compare the market. With thousands of 5-star Trustpilot reviews for our caring, professional service, you can feel confident you are in safe hands from first enquiry to completion.
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0800 0320 316
0800 0320 316No Mortgage, No Fee Guarantee
Partner with an Independent Mortgage Broker
At The Mortgage Broker, we believe that your journey to property ownership should feel like a partnership and not a transaction.
From your first conversation through to offer and completion, you deal with a dedicated mortgage adviser who takes time to understand your unique situation, explain your options clearly, and build a strong working relationship. You will always know what is happening, why it matters, and what comes next.
We combine experienced, FCA-regulated advisers with practical digital tools to keep things moving when time is tight. In many cases, we can arrange a Mortgage in Principle in around 15 minutes using a soft search that does not affect your credit score.
Our team can also review suitable mortgage options from across a wide range of UK lenders in minutes, taking into account rates, fees, and lender criteria, so decisions are based on what works best for you, rather than what is quickest to sell.
Most importantly, all our advice is free and comes with no obligation to proceed. We’re here to help, in any way you need, with absolutely no pressure.
Why Work with an Independent UK Mortgage Broker?
Curious as to why you should partner with The Mortgage Broker? Aside from handling all the stresses, applications, paperwork, and keeping a close eye on the market for better opportunities, here’s what else you can expect from us:
Access to 130+ lenders
We can search over 25,000 rates across hundreds of lenders to find the best deal tailored to you.
Advice Without Agenda
Our independent mortgage advisors advise on your personal goals, not the lender’s.
Free, No Obligation Advice
The Mortgage Broker do not charge for any advice if you do not proceed or get a mortgage offer.
Why Use a Mortgage Broker?
A mortgage advisor can not only support and guide you, they can find you the lowest possible rate for your exact circumstances and the right solution. Remember, the lowest instant price is not always the “best” option for your long-term goals.
Compare UK Leading Mortgage Lenders
Get a Decision in Minutes with a Trusted Mortgage Advisor
Get started today, provide your info, book a free appointment and speak to a 5‑star‑rated adviser so you can shop the market with confidence. Access UK-wide Mortgage Lenders: High Street, Specialist and Private Banks.
Request a call backExpert Mortgage Advice for Every Situation
Get specialist independent advice
Check your mortgage options in 3 simple steps
Get instant access to your best rates, affordability and a mortgage in principle. With specialists across the mortgage market, The Mortgage Broker welcomes first time buyers, property professionals, home movers and anyone needing to remortgage. Whether employed or self-employed, good or bad credit or complex income concerns, our advisers will support your goals with digital speed and human guidance.
1. Tell us your goals and timelines
Few simple questions, income and deposit
2. See UK wide mortgage rates
Get a soft search mortgage in principle
3. Reviews costs, process and timelines
Simple mobile cloud based secure process
Call Us 0800 0320 316
Or Book a Free Mortgage Appointment
The UK’s Most Trusted, FCA-Regulated Mortgage Broker
At The Mortgage Broker we are extremely proud to be one of the UK’s most trusted brokers offering independent, FCA regulated advice with 5/5 review ratings across all platforms. Our award-winning service offers transparent guidance at no cost to you before proceeding with your mortgage.
FREE Advice, Market Search, Mortgage in Principle or Guidance 94% Approval rates once application submitted to lenderMortgage Services we Support
As a mortgage broker with such an expansive team of knowledgeable and experienced advisors, we have the expertise required to support any and all mortgage scenarios. Simply tell us about your situation, and we’ll get started with advice tailored to you.
First Time Buyers
Get mortgage ready with a soft-search Mortgage in Principle (MIP). We’ll explain deposits, your credit file and what lenders look for, in plain English. Start with an affordability check, then compare high-street and specialist options.
Learn About First Time Buyer Mortgages
Remortgages
We’ll compare a product transfer with your current lender against remortgage deals from 130+ lenders. See the total cost (rate + fees), timings and any early repayment charges before you switch.
Home Movers / Buying a Property
Move with confidence and speak to our mortgage experts across all scenarios. Secure your mortgage in principle, compare suitable deals and keep your purchase on track with clear timelines and proactive case management.
Bad Credit Mortgages
We understand bad credit, debt and poor credit files. Don’t worry, we know what lenders look for and these are everyday scenarios. We will outline practical next steps, starting with a soft search so no impact on your credit score.
Learn About Bad Credit Mortgages
Debt Consolidation
We can support you on the way to simplifying debt repayments into one affordable mortgage deal. This includes credit cards, personal loans and other debts.
Learn About Debt Consolidation Mortgages
Self Employed & Limited Company Directors
An independent mortgage advisor can support company directors, sole traders, contractors and complex income variables, explaining accounts SA302s, dividends, retained profit and day-rate assessments before comparing the most suitable product.
Learn About Self Employed Mortgages
Buy-to-Let & Portfolio Landlords
Compare personal vs limited-company routes, meet rental stress tests and understand deposit needs, so you can act quickly when the numbers stack up.
Protection
Safeguard your family and business with tailored life, critical illness and income protection; tax-efficient options for directors included, arranged by specialist advisers with individual and business protection licenses.
Why use an independent mortgage broker (vs your bank)
The Mortgage Broker works for you, not the bank and compares high-street and specialist lenders, taking your needs into consideration, along with rates, fees and support. If you don’t get a mortgage offer, no fee is payable at any stage. Only if you choose to proceed and we successfully get you a mortgage, does a mortgage application fee apply.
Learn more around mortgage broker fees.
Using a Broker Vs Direct to Lender
| Using a Mortgage Broker | Going Direct to a Lender | |
|---|---|---|
| Choice & access | Market-wide search incl. high-street & specialist lenders; access to broker-only ranges | Only that bank’s products |
| Advice & suitability | Independent, regulated recommendations tailored to your goals | No independent comparison; product sales bias possible |
| Credit impact | Soft search for MIP; minimise unnecessary hard checks | Risk of multiple hard checks if you shop around yourself |
| Criteria & complex cases | Routes for self-employed, multi-income, adverse credit (IVAs, DMPs, defaults, CCJs) | Stricter to that bank’s policy; higher decline risk |
| Speed & admin | We manage paperwork & lender liaison, keeping things moving | You chase the bank; slower if capacity is limited |
| Rate monitoring | Lock a rate early; if a more appropriate one appears pre-completion, we’ll aim to switch | Limited to that bank’s updates |
| Ongoing support | 24/7 mortgage monitoring; reminders before rate ends | You must track dates and changes yourself |
| Fees & transparency | All advice free; any broker fee disclosed upfront but only added if you decide to use us and proceed | Bank product fees vary; advice may be limited |
Looking for the “Best Mortgage Broker” in the UK?
Short answer: there is no single “best” mortgage broker, only the most suitable for your situation. What matters is independent, regulated advice and access to a wide panel of lenders. That’s where a mortgage adviser helps most. In fact, industry forecasts show borrowers are increasingly choosing intermediaries: IMLA expects 2025 results to show intermediaries successfully submitted 89% of mortgages in 2025 and it is forecasted this will grow to 91% throughout 2026.
We recommend you use an independent mortgage advisor, even if it isn’t The Mortgage Broker.
Our modest (but confident) take:
“Looking for the best? You’ve likely found a great fit. We would say that, of course; but our results, our free no obligation advice and all our reviews say it for us.”
A Mortgage Broker for High-Value and Complex Cases
Alongside our core mortgage services, The Mortgage Broker works with high-value private clients and professional introducers, including accountants, solicitors, financial advisers, and property professionals.
We are equipped to help with cases of high-value borrowing, where decisions around lender choice, structure, and timing need careful handling. This often applies to clients with complex income, multiple properties, or wider financial or property considerations that need to be taken into account from the outset.
Professional partners value having a dependable adviser who communicates clearly, manages cases consistently, and understands the importance of discretion. As an FCA-regulated mortgage broker, our focus is on building long-term relationships and delivering outcomes that support both client goals and professional trust.
Learn more about TMB Private Clients
Why clients choose The Mortgage Broker
Choosing a mortgage broker is a decision built on trust. Our advisers support clients across the UK with clear communication, considered advice, and a professional approach from first enquiry through to completion.
The whole process was speedy and simple. Great communication and straightforward. Great advice and support. What a positive experience! The customer service we received was amazing - professional, knowledgeable, helpful & friendly - nothing was too much trouble. How refreshing to find a company with staff that go the extra mile.
Need a Mortgage in Principle today?
Whether you have found a property already, or looking to find the perfect home to move into, you can get a Mortgage in Principle through an adviser today and be mortgage ready. A mortgage in principle is an indication of how much a lender is prepared to lend you based on your financial information. This is not a mortgage offer, but a great way to understand your affordability and be buyer ready without impacting your credit score.
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Speak to a Mortgage Advisor Today
If you are considering a mortgage or reviewing your current arrangements, speaking to a mortgage broker can help you understand what options are realistically available to you, and which are best suited to your unique circumstances.
Our advisers provide clear, regulated mortgage advice tailored to your circumstances. There is no obligation to proceed, and you will always receive a transparent explanation of your options before any application is made.
Call Us 0800 0320 316
The Mortgage Broker FAQ's
Yes. You get access to high-street and specialist lenders (often with exclusive rates), clear guidance on complex cases and admin handled for you. Our customers cite value for money, expert staff and efficient communication in 2,500+ five star reviews.
With us, you can usually get a soft search Mortgage in Principle in about 15 minutes with no impact on your credit score. It helps prove you are a serious buyer to sellers and agents.
A mortgage in principle can be done with very little. For a full application then usually: ID, proof of address, last 3 months payslips and bank statements (or accounts/SA302s for self-employed), deposit evidence and details of existing credit. We’ll confirm exactly what your lender needs.
Yes we are UK wide, FCA regulated mortgage broker helping clients across England, Scotland, Wales and Northern Ireland via phone and secure online portal.
Yes. We place cases with lenders open to CCJs, defaults, missed payments and none traditional deposits (e.g., gifted). There are lenders that offer 5% deposit mortgages, and sometimes 0%. Knowing which lender fits which credit profile is key and that’s our expertise.
Often, yes. Banks offer only their own products. We compare 25,000+ mortgages across 130+ lenders, which can mean lower costs, better rates or beneficial features for your situation.
Yes first time buyers are a big part of what we do. We’ll explain the process clearly, check affordability, arrange your Mortgage in Principle and help with deposit planning and documents.
Yes. For remortgages we look at rate savings, product transfers and capital raising. For buy-to-let we advise on personal vs. limited company, portfolio lending and stress tests.
Fees & disclosure
We offer a no mortgage offer, no fee payable service. All advice is free. If you choose to proceed, a transparent application fee is payable only after we secure your formal mortgage offer. We will confirm the amount, conditions and payment stage in writing before any application is submitted and on the calls from the outset. We also receive a standard procuration fee from lenders; this does not increase the amount you pay.
Key risk warnings
Your home may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing other debts against your home.
The value of your property may go down as well as up.
Some forms of Buy-to-Let, bridging and commercial finance are not regulated by the Financial Conduct Authority.
Contact
Telephone: 0800 0320 316 · Email: enquiries@themortgagebroker.co.uk