Your free online mortgage broker
Fee-free mortgage advice, tailored to you
Get the latest deals from over 100 lenders
Enter our quarterly prize draw to win £1000 upon mortgage completion
89% of customers saved money using Better.co.uk
Join thousands of homeowners with mortgage advice you can trust.
Better Price Promise
We’re so confident in our deals that if you find a better one, we’ll match it and give you £100 as a thank-you for your diligence*.
Cashback Incentives
Do you know someone who is looking for a mortgage? Recommend Better.co.uk, and we'll reward you both with £100 in Amazon vouchers.
Automated Rate Monitoring
When you're issued a mortgage recommendation, we'll monitor rates until you're due to complete or remortgage - ensuring you're on the right rate.
Need a mortgage in principle?
Why use an online mortgage broker
-
Expertise: Mortgage brokers provide valuable guidance and have access to a wide range of mortgage products across multiple lenders, potentially securing more suitable deals and simplifying the application process.
-
Tailored and fee-free: Many brokers, like Better.co.uk, offer personalised mortgage advice tailored to your financial situation. Some, again like Better.co.uk, provide fee-free services by earning commissions from lenders.
-
Risks of going directly to a lender: Applying directly to a lender limits your options to their specific products, which could mean missing out on more suitable rates or terms elsewhere. It also requires more time and effort to compare different offers.
-
Protection and recourse: Using a mortgage broker provides added protection, as you have recourse through the Financial Ombudsman Service if the mortgage advice is unsuitable.
-
Choosing the right broker: It's essential to select a reputable and unbiased broker who can access a broad range of lenders, ensuring you get the best possible mortgage deal for your needs.
-
Early consultation is crucial: Speak to a mortgage broker early in your property journey to save time, effort, and potentially money while increasing your chances of mortgage approval.
FAQs
What is Better.co.uk?
We’re the UK's first online mortgage broker offering our customers an easier, quicker and stress-free approach to mortgages.
Our mission is to make mortgages faster, simpler and more affordable. Just Better.
Are you a comparison site?
We are a mortgage broker, not a comparison site. Rather than act as a comparison site, we tailor our service to each customer and do all the searching for you.
With access to over 100 lenders, we have the scope to search the market, compare deals, and narrow down your options.
All you have to do is sign up with us and one of our advisers will soon be in touch.
Do you charge a fee?
We are completely fee-free. No ifs, no buts.
Be aware that you might still incur fees elsewhere.
Lenders typically have their own fees, such as valuation fees and product fees. Your mortgage adviser will outline these before your application is submitted. We’ll also factor these into your affordability so there are no nasty surprises later down the line.
Other fees you may encounter when applying for a mortgage are solicitor fees. Some lenders offer a free solicitors service; however, you also have the option to obtain your own paid solicitors.
Like many brokers, we receive a fee from the lender for helping you secure a mortgage with them. This fee is not added to your mortgage, it comes solely from the lender.
Why should I choose Better.co.uk?
We’ve created a mortgage process that works for you. Applying for a mortgage through a traditional broker often means paperwork and long phone calls during work.
Better.co.uk gives you complete control over your mortgage application. You can apply online in ten minutes, then speak to your adviser over email or phone at a time that suits you - whatever works better.
There’s no need to take time out of your working day to make phone calls or visit the office in person. 24/7 access to your Better.co.uk profile makes it easy for you to track your application.
Whether it’s your first, second, or you’re losing count of your mortgages, we understand that every mortgage is just as important as the first. This is why we aim to help people love the process of owning their homes.
We’re also looking out for the trees - we’re completely digital and use (almost) no paper!
Important info & marketing claims
If you remortgage, you may have to pay an early repayment charge to your existing lender. Your savings will depend on your personal circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Depending on your credit history and circumstances, we can't always guarantee we can help you with your mortgage application.
Average mortgage decision and approval times are based on Better.co.uk's historical data for lenders to submit applications.
Tracker rates are identified after comparing over 12,000 mortgage products from over 100 lenders.
As of January 2023, Better.co.uk has access to over 100 lenders. This number is subject to change.
For buy-to-let landlords, there's no guarantee that continuous letting of a property will be possible or that rental income will be sufficient to meet the mortgage cost.
Read our terms & conditions regarding the Better Price Promise here.
For insurance business we offer products from a choice of insurers.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
Better.co.uk is a trading name of Trussle Lab Ltd, which is authorised and regulated by the Financial Conduct Authority under firm reference number 924229. You can check this on the Financial Services Register by visiting the FCA website.
51 Eastcheap, London EC3M 1DT. Registered in England and Wales: 09459339.