Find the most competitive mortgage with a qualified broker

Access the UK's largest selection of brokers and quickly connect with an expert
A broker can save you thousands with the right mortgage
Your first consultation is free and without obligation
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Key benefits of using a mortgage broker

Access the best rates
A mortgage broker can find you the most competitive rate based on your circumstances. They can usually access better mortgage deals than you would find yourself and save you money.
Expert advice
Mortgages can be confusing as things change quickly due to fluctuating rates and deals that come and go. Mortgage brokers have in-depth knowledge and can provide you with expert advice.
Save time
Applying for a mortgage can be time-consuming and complex. A mortgage broker does the hard work by handling the research, paperwork, and speaking to lenders. They can also search for deals much faster than you can.
Tailored recommendations
A mortgage broker assesses your financial situation and recommends the right deal, which is useful if you’re self-employed or have a bad credit score. Brokers can access a wide range of lenders and easily find the most suitable mortgage.
Peace of mind
Getting a mortgage is a huge financial decision. If you don’t get advice, you could end up with the wrong mortgage, which could cost you thousands. A mortgage broker can help you find the right deal for your circumstances.
Often free
A mortgage broker is often free for you as they charge the lender. In addition, when you find an expert adviser with Unbiased, your first consultation is free.
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Homeowners trust their lenders

"80% of residential mortgage holders were highly or moderately satisfied with their lender – and 77% trusted their lender."

How it works

1
Answer a few questions
Share some details about your situation, it only takes a few minutes. Your information is confidential, encrypted, and stored securely by us.
2
Match with an adviser
Our advanced algorithm finds you the most suitable adviser for your needs. All advisers listed with us are regulated and qualified by the Financial Conduct Authority (FCA).
3
Get your free first consultation
Your mortgage broker will contact you to schedule a free consultation to discuss how they can help you reach your goals.

Questions to ask your broker

It’s worth having a list of questions handy when speaking with a broker for the first time.  This will help you assess whether they’re the right fit for your needs. To get started, consider using some of the questions below.
1. What types of mortgages do you offer, and which is best for me?

Understand the mortgage options available and why a specific one might be the right fit for your needs.

2. What are the total costs of the mortgage, including interest rates, fees, and closing costs?

Get a clear picture of all expenses to avoid surprises later.

3. How much can I borrow based on my financial situation?

This helps set realistic expectations and prevents you from overcommitting financially.

4. What is the process for securing a mortgage, and how long does it usually take?

Understanding the timeline and steps involved ensures you’re prepared for the process.

5. Do you charge a fee for your services, and how are you compensated?

Clarify their payment structure to ensure transparency and avoid potential conflicts of interest.

Going direct vs broker

Choosing between going direct or using a broker depends on your confidence in navigating your mortgage options independently versus benefitting from a broker’s expertise in comparing multiple lenders and securing tailored deals.

Direct

You risk choosing an inappropriate mortgage for your needs
The responsibility for finding the most suitable mortgage deal is in your hands
You can only access mortgage deals available to the public
Handling the paperwork and admin is your responsibility

Broker

A broker can find the right mortgage for your situation
They can search the market to find a mortgage to match your unique needs
A mortgage broker will likely have access to more products and exclusive deals
A mortgage broker can help you with time-consuming paperwork

Why choose Unbiased?

Save time. It only takes a few minutes for you to match with a suitable financial adviser, mortgage broker, insurance broker or accountant anywhere in the UK.
Best place to get advice. We connect you with the UK’s biggest selection of financial advisers, mortgage brokers, accountants, insurance brokers, and bookkeepers, for free.
Partnered with only qualified experts. Every adviser you find through Unbiased is FCA-regulated, qualified, and unconnected to providers.
Brits trust us. 3 million Brits use Unbiased every year to find advice they can trust for making life’s biggest decisions.
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About different mortgages

There are various types of mortgages, each designed to meet different financial needs and circumstances. Here’s an overview of the most common types.
Fixed-rate: The interest rate stays the same for a set period of time.
Interest-only:  Borrowers pay only the interest for a set period (typically 5–10 years), followed by payments on both the principal and interest at the end of the loan term.
Variable-rate: The interest rate fluctuates based on changes in the lender’s standard variable rate, which is often influenced by market conditions, such as changes to the Bank of England’s base rate.
Offset: An offset account is a linked bank account where the balance is deducted from the outstanding mortgage principal when calculating interest. 

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Frequently asked questions

Is Unbiased free?

Our services are free to you.

We are a subscription service for advisers and charge advisers a fee based on the value of your enquiry, which they can choose to accept or reject based on their own criteria and availability.

Can I choose my adviser?

Yes. If you'd prefer to do your own research, you can use Unbiased's free directory to find a qualified financial professional.

Will my adviser be local?

Your matched adviser may not be local, but rest assured, most financial advisory firms are equipped to provide comprehensive support regardless of geographical location.

When will I be contacted by my matched adviser? 

You can expect a reply within one business day, usually it’s sooner.

How is my information used?

The information you provide when filling out an enquiry or creating an account is stored securely by us. The secure server software encrypts all the information you provide.