Exclusive offer for Money Saving Expert

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.

MSE Incentive Terms and Conditions

In these Terms and Conditions, “we”, “us” and “our”, refer to Trussle Lab Ltd (“Better.co.uk”) and “you”, “your” refers to our partners.

1. What is the Sign-up Incentive?

1.1 The “MSE Incentive '', is a commitment from Better.co.uk that if you sign-up with Better.co.uk, via the promotional sign-up link https://better.co.uk/mse-reward?referrer-mse  accessed via the link, displayed on the MSE web page, and/or if you sign-up through any email communications sent directly from Money Saving expert, and you later complete a mortgage application process with us, you will be rewarded with a £150 highstreet voucher, within 30 days of completion of you confirming you have completed the mortgage process and providing the appropriate confirmation documents to [email protected]. The promotion period runs from 16 January 2022 and will last until the 31st December 2025 (“Incentive Duration”). 

1.2 Better.co.uk commits to working with all our customers to get the right mortgage for you. We want to give you the best possible service and are committed to assisting you in finding the right mortgage for you, as we know that getting a mortgage decision can be a long, uncertain journey, thus we would like to reward your trust in Trussle.

1.3 Better.co.uk reserves the right to terminate this promotion at any time. 

2. What is considered a completed mortgage application process?

2.1 A completed mortgage application is defined as the conclusion of the full legal process related to your mortgage transaction that has been submitted through Better.co.uk. The “Completion Date”  is defined as the date monies are paid over to the buyer’s solicitor, the seller vacates the property and hands over the keys to the buyer.

2.2 The Completion Date is to be confirmed to Better.co.uk by you with the appropriate supporting documentation or directly to Better.co.uk by the lender you have taken a mortgage with. 

3.Is the incentive applicable to Mortgages and Remortgages?

3.1 Yes. You are eligible for the incentive if you are purchasing a new mortgage or a remortgage.

4.Who is eligible to receive this incentive?

4.1 To be eligible for the Sign-up incentive, you must: 

a)Sign-up via the promotional sign-up link https://www.better.co.uk/mse-reward?referrer-mse accessed via the link, displayed  on the MSE web page, and/or if you  sign-up through any email communications sent directly from Money Saving expert,and you must have signed up with Better.co.uk before 31st December 2025; and

b)You must have completed your mortgage application with Better.co.uk, by 31st December 2025: and

c)Follow all the processes as required by Better.co.uk; and

d)Provide all requested documentation necessary for the application; and 

e)Submit a mortgage application through Better.co.uk with one of the Lenders Better.co.uk offers; and

f)Complete the mortgage process with Better.co.uk as your mortgage broker; and

g)We confirm you meet the eligibility requirements by the completion date; and

h)The terms and conditions of this incentive are met.

5. Restrictions and limitations

5.1 You are ineligible for the Sign-up incentive if; 

a)You have already made a mortgage application with Better.co.uk and accepted a recommendation, or had a mortgage approved or submitted an application through Better.co.uk prior to 16th January 2022, or;

b)You have received a mortgage recommendation through Better.co.uk that you would like to apply for prior to 16th January 2022, or;

c)You are ineligible for this promotion, if you are an agent/Independent financial advisor or acting on behalf of an applicant. This promotion is only available to direct applicants.

d)If you do not sign up using the correct link.

e)If the Sign-up Incentive cannot be met for reasons outside of Better.co.uk’s control, these include, but are not limited to: 

i)If the information you have provided is inaccurate or the supporting documentation is not sufficient to evidence the information you have told us; or

ii) At any stage you ask us to place an application on hold; or

iii) If your application is declined or you withdraw your application and this promotion is then terminated. In such a case you can no longer rely on your original sign-up through the automated link, as your new application has started after the expiry of the promotion.

f) You are unable to use any other Better.co.ukpromotions in conjunction with this promotion. The only exception to this is the “Better.co.uk Speed Promise”. 

6. Can I receive the £150 Voucher more than once?

6.1 Only one £150 Voucher will be due per eligible application, regardless of the number of applicants under any specific application.

6.2 If your application is a joint application, only one person will be offered the £150 Voucher. The person who will receive the amount will be the person who is registered as the primary applicant under the Sign-Up link.

6.3 Yes. You can receive the £150 voucher more than once, however it must be on separate transactions, with separate properties.

7. How do I receive the £150 voucher after completion of the mortgage process?

7.1 The £150  voucher will be sent to you via email using the email address you provided as part of your mortgage application to Better.co.uk. 

7.2 This will be sent when it is confirmed that you are eligible to receive the Voucher payment.

7.3 We will do this within 10 working days after you confirm completion on your mortgage if the Terms and Conditions have been met.

8. Additional Information

8.1 For any decision made on the eligibility of the voucher, our decision is final on; 

1. The completion date of the mortgage or remortgage

2. Whether the Terms and Conditions have been met

8.2 We will not be obliged to honour this Sign-up Incentive during periods where circumstances have arisen which are outside of our control and which affect our ability to process mortgage applications (for example fire, flood, failure of telecommunication networks or any restrictions relating to the protection of public health and safety).

8.3 We have a right to exclude any applications from this Sign-up Incentive  if we reasonably suspect that it is in breach or abuse of these Terms and Conditions. 

9. Limitation of legal responsibility

9.1 Better.co.uk accepts no legal responsibility for any use of the Sign-up Incentive which breaches these terms or Better.co.uk’s Terms of Business here.

10. Applicable law

10.1 These terms and any dispute (including any non-contractual dispute) or claim coming out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

11. Changes to this agreement

11.1 Better.co.uk reserves the right to modify or discontinue promotions and guarantees at any time without notice. Terms are subject to change at any time without notice, continued use of the Better.co.uk website means you accept the agreement in force at that time and are subject to the non-exclusive jurisdiction of the courts of England and Wales.

12. Additional Information

12.1 For any decision made on the eligibility of the voucher, our decision is final on; 

1. The completion date of the mortgage or remortgage

2. Whether the Terms and Conditions have been met

12.2 We will not be obliged to honour this Sign-up Incentive during periods where circumstances have arisen which are outside of our control and which affect our ability to process introducer agreements (for example fire, flood, failure of telecommunication networks or any restrictions relating to the protection of public health and safety).

12.3 We have a right to exclude any submissions  from this Sign-up Incentive,  if we reasonably suspect that it is in breach or abuse of these Terms and Conditions. 

13.  Contact us

13.1 To contact us with ideas, suggestions, or issues with our Sign-up Incentive, please email [email protected] or partnership lead managing your agreement.

13.2 If you’d like to opt out of Better.co.uk marketing services and communications, you can do so by emailing [email protected]

These terms and conditions were last updated in August 2023.