Understanding our mortgage recommendations

Our experts search thousands of deals to recommend the one that's right for you

About our mortgage recommendations

Our expert advisers look through the information you enter in your Better.co.uk's profile to understand your situation. 

They’ll usually contact you within a few hours to check what’s important to you when looking for a mortgage deal.

They’ll then compare 12,000 deals from 90 lenders to find one that’s right for you.

What we base our recommendations on

When we recommend a deal our advisers look at more than just the lowest monthly cost. 

They’ll also consider:

  • the total cost of the deal including monthly payment, fees and incentives

  • how much you’ll have left to pay on your mortgage at the end of the initial period

  • your personal situation

They do this as the quicker you pay off your mortgage, the less you’ll pay in the long run.

Some online deals may look cheaper but could cost you more over time. 

For example, a deal with the lowest monthly payment could cost more as the longer it takes to pay off, the more you’ll pay in interest. 

We’ll also show you a few other deals that we did not recommend but are still good options based on what you’ve told us about your situation. 

We may send you options for:

  • longer initial term - if you’re worried about any rate changes in the initial period

  • interest only 

  • cheapest deal from your current lender. This may cost more than our recommendation but could help if you need to complete quicker 

  • lowest interest rate

  • lowest fees

If you’re not sure about the deal you’re recommended, you can talk to your personal adviser. They’ll explain why they’ve chosen it and talk you through your other options. 

We are experts

Our advisers are fully qualified mortgage experts ready to guide you through your mortgage.

Personalised to you

We look at your situation and the long term cost to find a mortgage that suits you and your budget.

Fee free for most customers

We’re fee free for most customers, and our advisers are not incentivised to pick certain lenders. So, you can be sure their advice is impartial.

12,000 deals from 90 lenders

As a broker, we can give you a wider choice of deals, even if your situation is complicated.

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Your home could be repossessed if you don't keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.