Your free online Mortgage Broker

We save our customers thousands of pounds, all without a single fee. Customers saved an average of £420 a month in October 2023.

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Free mortgage advice that works for you

Your free online Mortgage Broker

We save our customers thousands of pounds, all without a single fee. Customers saved an average of £420 a month in October 2023.

homepage hero

Free mortgage advice that works for you

Homebuyer

Apply for a fee-free mortgage. We can:

  • Tailor you a personalised mortgage recommendation 

  • Manage your entire mortgage application process

  • Get the keys to your new home – fast

Remortgage

No fees. No fuss. We can:

  • Save you thousands over your mortgage term

  • Identify the right lender and rate for you – and manage your entire remortgage process

  • Guarantee your rate with our Better Price Promise

Insurance

Complete protection. We can:

  • Personalise your insurance options

  • Find you the right cover at the right cost

  • Organise your insurance alongside your mortgage application

Mortgage tools, all in one place

Get a Mortgage in Principle to see how much a mortgage lender could lend to you, and use our helpful range of mortgage calculators to help understand how much you can afford.

House deposit

First-time buyers

Read helpful guides on buying your first home, see the latest mortgage rates and more.

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Remortgage

From capital raise to switching lenders, learn how to remortgage quickly and efficiently.

Buy to let homepage

Buy-to-let

Costs, taxes, and profit-making: learn all you need to know about buy-to-let mortgages here.

Next time buyers homepage

Next-time buyers

Moving up the property ladder? Discover mortgage tips and advice for a smooth homebuying process.

Mortgage Guides & Insights

Mortgage Calculator
Guides

Buying a home in 2023: your complete step-by-step guide

Self-employed mortgages
Guides

Mortgage protection: insurance explained and why you need it

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Guides

Mortgage in Principle: why you need one as a homebuyer

House Deposit
Guides

House deposits: how much do you need to buy a house?

How to remortgage
Guides

Remortgages explained: learn how it works and when you should remortgage

Mortgage Comparison
Guides

Moving house in 2023: essential insights for property buyers

Meet our mortgage lenders

We work with over 100 lenders in order to provide you with the right mortgage for your circumstances.

01 NATWEST
02 HSBC
03 SANTANDER
05 NATIONWIDE
06 BARCLAYS
07 COVENTRY
08 ACCORD
Halfiax

Secured loans

Looking to consolidate debts or renovate your home? See if a secured loan could be an option for you.

Get the right mortgage rate with Better.co.uk

Tailored mortgage support

Getting a mortgage can seem daunting, but you don’t have to go it alone when you get a mortgage with Better.co.uk.

Meeting your mortgage needs

We’ll get to know your situation, your mortgage needs and what you can afford before recommending you the right mortgage deal. Once you select a deal, we’ll guide you through the process from application to completion.

Finding you the right mortgage

With access to 12,000 deals from over 100 lenders, we have a whole-of-market view of the mortgage market, giving us a better chance of finding you the right lender and the best mortgage rates.

Mortgages made easy

So, whether you’re a first-time buyer, a next-time buyer, or remortgaging to a new deal, we’re here to help.

How Better.co.uk works

01

Better.co.uk can operate as a fee-free online mortgage broker because we get paid by your lender when you complete your mortgage or remortgage – not you.

02

This is known as the "procuration" or "proc" fee. Most brokers, even the ones that charge you for their services, get a proc fee from the lender when they arrange a mortgage on your behalf.

03

If we help you arrange insurance, the insurer pays us when you complete the purchase, and your cover starts.

04

We do not give our advisers incentives to recommend specific insurers or lenders, so you will always receive impartial, quality advice.

Important info & marketing claims

You may have to pay an early repayment charge to your existing lender if you remortgage. Your savings will depend on personal circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

*The savings figure of £420 is based on Better.co.uk remortgage customers in October 2023. Read more on our marketing claims page.

We can't always guarantee we will be able to help you with your mortgage application depending on your credit history and circumstances.

Average mortgage decision and approval times are based on Better.co.uk's historic data for lenders we submit applications to.

Tracker rates are identified after comparing over 12,000 mortgage products from over 100 mortgage 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 it will be possible to arrange continuous letting of a property, nor that rental income will be sufficient to meet the cost of the mortgage.