Your free online mortgage broker

We’re the UK's first online mortgage broker, offering our customers a more straightforward, quicker, and stress-free mortgage process. Our mission is to make mortgages faster, simpler, and more affordable.

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.

Rather than matching your deal, we search for the right mortgage for you from our whole-of-market panel. In some scenarios, we might be able to match that product, but we'll always offer what we think is the most suitable mortgage for your particular circumstances.

We ask what’s important to you; whether it be low monthly payments, a shorter mortgage term, or a low rate. We then use this information combined with your personal circumstances to find the right product for you.

Our initial consultation service is always free. Once you decide to proceed with a mortgage application, you may have to pay a fee depending on your circumstances and credit history. We charge a fee of £199 for the administration of your application when you fall under our definition of “Adverse”.

Our administration fee will be refunded if we cannot find you a lender.  

Be aware that you might still incur fees elsewhere.

Typically lenders tend to have their own fees, such as valuation fees and product fees. These will be outlined by your mortgage adviser 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 come across 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.

We’re proud to work with over 90 lenders, including your high street lenders such as Halifax, Barclays and Santander.

We also work with your lesser-known mortgage lenders who are able to help in more unique circumstances, such as adverse credit and smaller deposits.

These lenders include:

• Accord Mortgages

• Ahli Bank

• Airdrie Savings Bank

• Aldermore

• Arbuthnot Latham

• Atom Bank

• Axis Bank

• Bank & Clients

• Bank Leumi

• Bank of China

• Bank of Ireland

• Barclays International

• Barclays Wealth

• Bath Building Society

• Beverley Building Society

• Bluestone Mortgages

• BlueZest

• BM Solutions

• Brown Shipley

• Buckinghamshire Building Society

• Cambridge Building Society

• Chorley Building Society

• Citigroup

• Close Brothers

• Clydesdale Bank

• Coutts & Co

• Coventry Building Society

• Credit Suisse

• Danske Bank

• Darlington Building Society

• Deutsche Bank

• Dragonfly

• Dudley Building Society

• Earl Shilton Building Society

• Ecology Building Society

• EFG Private Bank

• Family Building Society

• First Trust Bank

• Fleet Mortgages

• Fortis

• Foundation Home Loans

• Furness Building Society

• Halifax

• Handelsbanken

• Hanley Building Society

• Harpenden Building Society

• Harrods Bank

• Hinckley & Rugby Building Society

• Hodge Lifetime

• Holmesdale Building Society

• HSBC

• Interbay

• Investec

• Investec Private Bank

• Ipswich Building Society

• JP Morgan Private Bank

• Kensington

• Kent Reliance Building Society

• Keystone

• Kleinwort Benson

• Landbay

• Leeds Building Society

• Leek United Building Society

• Loughborough Building Society

• Magellan Home Loans

• Mansfield Building Society

• Market Harborough Building Society

• Marsden Building Society

• Metro Bank

• Monmouthshire Building Society

• Mortgage Trust

• NatWest Intermediary Solutions

• Nationwide Building Society

• NatWest International

• Nedbank Private Wealth

• New Street Mortgages

• Newbury Building Society

• Newcastle Building Society

• Nottingham Building Society

• Octopus

• Paragon Mortgages

• Penrith Building Society

• Pepper Home Loans

• Platform

• Post Office

• Precise Mortgages

• Principality Building Society

• Progressive Building Society

• RBS Private Bank

• Royal Bank of Canada

• Saffron Building Society

• Santander

• Schroders

• Scottish Building Society

• Scottish Widows Bank

• Secure Trust Bank

• SGPB Hambros

• Shawbrook Bank

• Skipton Building Society

• Skipton International

• Stafford Building Society

• State Bank of India

• Swansea Building Society

• Teachers Building Society

• The Melton Building Society

• The Mortgage Lender

• The Mortgage Works

• Tipton Building Society

• Together Money

• TSB Bank

• UBS

• Ulster Bank

• Vernon Building Society

• Vida Home Loans

• Virgin Money

• West Bromwich Building Society

Some lenders choose not to work with mortgage brokers, meaning we don’t have access to their products. These lenders include:

• Chelsea Building Society

• Co-operative Bank

• Cumberland Building Society

• First Direct

• Lloyds Bank

• Yorkshire Building Society

To find out more about which lender might be right for you and to view some of their latest rates, visit our lenders page.

Firstly, we issue what’s known as a Mortgage in Principle. This is a document that shows you how much you could potentially borrow from a lender based on your personal circumstances (such as your income and outgoings) so that you can start looking for your dream home.

You can then use your mortgage in principle to help you secure an offer on a property and start your journey to home ownership.

Congratulations! Now that you have your offer accepted we'll be able to start looking for the right mortgage for you.

Once you've updated your profile with the property details one of our mortgage advisers will send over your personal mortgage recommendation.

Once you’re happy with the mortgage recommendation, we'll then ask you to upload the relevant documents required for your mortgage application. You can find a list of these here.

We’ll then submit your application to the lender and your new case manager will see your application through to completion.

We'll then track your mortgage throughout its term and let you know when it’s time to remortgage.

Whether you're looking to switch mortgage products to save money, raise capital, or you're just curious about your options, we're here to help.

Simply create a profile with us and one of our dedicated mortgage advisers will be in touch with a personal mortgage recommendation.

Once you’re happy with the mortgage recommendation, we’ll submit your application to the lender and your personal case manager will see your application through to completion.

We can help with purchasing and remortgaging buy-to-let properties.

When it comes to purchasing, your affordability will be based on the size of your deposit and the monthly rental income, rather than the usual personal income as with a residential property.

Lenders will typically require a minimum of a 25% deposit and the monthly rental income in order to assess affordability for buy-to-let properties.

Once you have an offer accepted on a property, you’re ready to create your Better.co.uk profile. Our advisers will then assess your affordability over a mortgage recommendation.

We’ve created a mortgage process that works for you. Applying for a mortgage through a traditional mortgage broker often means paperwork and long phone calls during work time.

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 take phone calls or time off work to 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!