Your free online mortgage broker
Customers saved an average of £526 a month in June 2024 and thousands over their mortgage term, all without a single fee from us.
Free mortgage advice that works for you
Homemover
Apply for a fee-free mortgage for your next move.
Tailor you a personalised mortgage recommendation
Manage your entire mortgage application process
Get the keys to your new home – fast
Remortgage
Staying where you are? No broker fees. No fuss.
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
First time buyer
Find the right mortgage to buy your first home.
Compare mortgages that are exclusive to first time buyers
Get a agreement in principle to put an offer in on your new home
Manage the application process online
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 £656 is based on Better.co.uk remortgage customers in April 2024. 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.
