What is a fee-free mortgage broker?

A fee-free mortgage broker is a mortgage adviser who does not charge you a broker fee for their advice. Instead, they receive a commission called a procuration fee from the lender once your mortgage completes. At Fee Free Mortgage Broker, we never charge you a penny for our advice.

How does a fee-free mortgage broker get paid?

Fee-free mortgage brokers receive a procuration fee (commission) directly from the mortgage lender once your mortgage completes. This fee is broadly similar across lenders, meaning we have no incentive to recommend one lender over another — we always recommend what is best for you.

Is a fee-free mortgage broker as good as a fee-charging one?

Yes. Fee-free mortgage brokers have access to the same whole-of-market product range as fee-charging brokers. The quality of advice is determined by the expertise of the adviser, not whether they charge a fee. Using a fee-free broker simply means you pay nothing for the same expert, FCA-regulated advice.

Can I get a mortgage with bad credit?

Yes, it may still be possible to get a mortgage with bad credit. Some specialist lenders consider applicants with missed payments, defaults, CCJs or bankruptcy. We will assess your credit history and advise you on which lenders are most likely to accept your application and on what terms.

How long does the mortgage application process take?

The mortgage application process typically takes 2 to 6 weeks from application to mortgage offer, depending on the lender and the complexity of your case. We manage the entire application process on your behalf, liaising with the lender and keeping you updated throughout.

Do I need to visit an office to get mortgage advice?

No. As an online mortgage broker, we handle everything by phone, email, or video call. There is no need to visit an office. We work with clients across the whole of the UK.

The Fee Free Mortgage Broker

Whether you’re a first-time buyer, remortgaging, or considering a buy-to-let mortgage, our fee-free mortgage brokers can help. Since 2019, we’ve offered free mortgage advice across the UK, helping thousands secure home loans with no broker fees.

Fully regulated by the FCA, we search the whole UK mortgage market, not just one lender, to find the right mortgage deal for you.

Most fee-charging mortgage brokers charge between £300 and £1,500 for their advice. Some fee charging brokers add this on top of lender fees, meaning borrowers pay twice before they've even moved in.

We work differently. As a fee-free broker, we receive commission, called a procuration fee, directly from the mortgage lender once your mortgage completes. This is a standard arrangement across the industry.

The key difference is that fee charging mortgage brokers keep that commission and charge you on top.

We don't. The procuration fee we receive is broadly similar across lenders, which means we have no financial incentive to push you toward any particular mortgage deal.

Unlike multi-tied brokers who can only recommend products from certain lenders, or direct-only lenders who can only offer their own products, we search the whole of market and recommend whatever is genuinely best for your circumstances.

★★★★★

Rated 5 stars across Google & Trustpilot.
Get Fee-Free Mortgage Advice Today.
Trusted by thousands of clients .

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How can we help you?

let us know about your circumstances to get your application started

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We are whole of market brokers but here are some of our lenders partners we work with

We help families, single clients and investors achieve their property dreams.

100% Fees-Free

Our team work on an entirely fees-free basis, meaning you’ll never be charged for mortgage advice, or for arrangement. We focus on finding the best product suited to your circumstances.

Fast approval

We run through affordability, approximate borrowing limits, and likely monthly payments at current market rates. You’ll get a realistic picture of what you can borrow before you start viewing properties or committing to anything.

Unbiased Advice

Thousands of mortgage options available on the market, it’s highly unlikely that you’ll get the best deal from your bank. Our independant whole of market brokers without lender ties are able to offer a wide range of deals, accompanied by unbiased mortgage advice.

Nationwide Service

Our service covers the whole of the UK residential mortgage market. We can work entirely online, by phone, or via video call, whatever suits your schedule and preferences. From Southampton to Newcastle, all the way back to London.

Choose the right loan for you

We work with all types of borrowers, not just those with straight forward applications.

‍Self-employed and contractors - Getting a mortgage when you're self-employed or work on a contract basis can feel complicated. Many lenders assess self-employed income differently, and certain lenders have more flexible criteria than others. Our mortgage advisers know which lenders are most likely to approve your application based on your individual circumstances, saving you from unnecessary credit searches and declined applications.

‍Freelancers and complex income - If your income includes multiple sources. PAYE, dividends, rental income, or irregular bonuses, we'll help you present your finances in the best light. Different lenders assess complex income in different ways, and our knowledge of the market means we match you to the right one.

‍Existing mortgage review - If you have an existing mortgage and want to know whether you're on the best deal, we can review your current rate and compare it against the full market, with no fee and no obligation.Whatever your personal circumstances or financial situation, we'll give you honest, expert advice tailored to you.

Credit history concerns (Although we might refer you to our sister company) - A less-than-perfect credit history doesn't automatically rule out a mortgage. We'll assess your situation honestly and let you know which lenders are likely to consider your application, what deposit may be required, and whether it's worth applying now or in a few months' time. We'll never waste your time with applications that are unlikely to succeed.

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First Time Buyers

Buying your first home can feel overwhelming, but our expert mortgage brokers make it simple. We help first-time buyers understand deposits, compare fixed, tracker and variable mortgages, and meet lender criteria with clear, jargon-free advice.

We can also arrange your Agreement in Principle (AIP), so you can view properties confidently and be taken seriously by estate agents.
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Smiling young couple carrying cardboard boxes while moving into a new home.

Home Movers

You’re classed as a home mover if you already have a mortgage and plan to move to a new property. You may not need to change your existing mortgage, but you have the option to review better deals.

Our mortgage brokers assess all options and costs, from porting your current mortgage to switching to a new lender. Whether you’re upsizing, downsizing or dealing with negative equity, we’re here to help.

Remortgaging

People remortgage for many reasons — when a fixed rate ends, to lower monthly payments, consolidate debt, or fund home improvements. Our brokers help you compare competitive remortgage deals to suit your needs.

We can search up to six months before your rate expires, helping you avoid a higher standard variable rate and secure a better mortgage deal.
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Application to Offer Success Rate

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Satisfied customers across our trading group

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Mortgage products across our whole of market panel

Need help? Our support team is here to assist you - contact us now!

01 Apply online

Fill out our quick questions online. We start with a friendly 20–40 minute conversation. This is your initial consultation where we discuss:

Your goals (buying, moving, remortgaging). Your budget and deposit. Your income and employment situation. Any credit record concerns. We run through affordability, approximate borrowing limits and likely monthly payments.

You’ll get a realistic picture of what you can borrow before you start viewing properties or committing to anything.

02 Research and market review

This is where we do the heavy lifting. Behind the scenes, we search a wide panel across the entire mortgage market, Identify mortgages matching your criteria for rate, product fee, cashback and incentives.
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Check lender criteria including maximum loan-to-value (LTV), income multiples, and credit score requirements. Use specialist sourcing software updated daily with current UK mortgage products.

You don’t have to compare dozens of lenders yourself. We’ve already done it.

03 Personalised recommendations

We present a shortlist of recommended deals, mortgage options. This will show Interest rate, monthly payments, total cost over the fixed period, any fees or cashback.
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You receive a written recommendation and mortgage illustration before deciding how to proceed. This is required by FCA rules and ensures you can make an informed choice.
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We talk through the pros and cons: fixed vs variable, length of fixed period, early repayment charges, and flexibility. This advice, explanation and documentation are all included within our fee free service.

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04 Application and paperwork

Once you choose a mortgage product, we complete the mortgage application on your behalf.

This minimises form-filling and admin for you.We handle: Uploading or sending documents securely to the lender. Responding to queries from underwriters. Liaising with estate agents and solicitors to confirm timescales. Chasing progress when things slow down.

You receive regular updates until the lender formally issues the mortgage offer. No radio silence, no wondering what’s happening.

05 Offer, legal work and completion

Once the mortgage offer is issued, the legal process continues with your solicitor or conveyancer. We remain available to answer questions on:

Mortgage conditions and what they mean.

Offer expiry dates (and extending them if needed).

Valuation issues or queries from the lender.

Get started today

Getting the right mortgage shouldn’t add extra costs to your deposit and legal fees. As a fee-free mortgage broker, we provide access to the whole of the mortgage market, expert guidance at every stage, and dedicated support when dealing with lenders and underwriters.

Whether you're a first-time buyer, remortgaging to save money, or growing your buy-to-let portfolio, our free mortgage advice covers everything from your initial consultation to completion. Book your free consultation today, no fees, no obligation, just straightforward advice from experienced mortgage professionals.

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How can we help?

Get started by letting us know a little bit about what you need

I want to buy a home 🏘️

I want to remortgage ♻️

BUYING A HOME

What best describes you?

First-time buyer

Home mover

Buy to let

Additional property / second home

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Have you found a property yet?

Yes, I’ve had an offer accepted

Yes, still viewing

No, just getting started

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How much deposit do you roughly have?

Yes, I’ve had an offer accepted

Yes, still viewing

No, just getting started

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FAQs about fee free mortgage brokers

We strive to make our loan process simple and accessible to everyone.

How fast can I get an agreement in principle?

An Agreement in Principle (AIP), also called a Decision in Principle (DIP), is a statement from a lender indicating how much they’d likely lend you.

Estate agents often ask for one before accepting an offer on a property.We can usually arrange an AIP within the same day or a max of 1–2 working days of receiving key documents. Sometimes faster for straightforward cases.

An AIP does not guarantee a final mortgage offer, it’s based on the information provided and a soft credit check. The full application involves more detailed checks. But it’s a strong indication and shows sellers you’re serious.We do not charge any fee to arrange an AIP. You’re free to change property or lender later if needed.

Are fee free brokers really independent?

We search the whole of market and recommend the best and most suitable mortgage based on your circumstances, not on which lender pays us the most. Our commission rates are similar across lenders, removing any incentive to push you toward a particular product.

Traditional brokers often charge between £300 and £1,000+ for their services. Some charge a percentage of your loan amount. A fee free mortgage broker works differently, we’re paid only by the lender on completion, meaning you keep more money in your pocket for moving costs, furniture, or simply peace of mind.

Will I pay more in interest with a fee free broker?

No. The mortgage rates we access are the same as or sometimes better than, rates available directly. Many lenders offer exclusive broker-only deals with lower interest rates than their direct-to-consumer products.

Do you provide advice on life insurance & income protection?

We can discuss income protection and life insurance policies at anytime. We also offer a range of other relevant protection products as part of our service. These help protect your mortgage repayments and life if your circumstances change.

Is this service available across the whole UK?

Yes. We work with clients across England, Scotland, Wales and Northern Ireland. Everything can be done remotely via phone or video call.Have a question not covered here? Contact us with no obligation and no fee. We’re happy to provide advice and point you in the right direction, even if you decide not to use our service.

How quickly can I get a mortgage offer?

Timescales vary, but straightforward cases often receive a mortgage offer within 1–3 weeks of application. We’ll give you a realistic estimate based on the lender and your circumstances.

What if my case is complicated?

We handle complex cases regularly, self-employed income, tier 2 visa's and unusual properties. Our advice remains fee-free regardless. The only time when you will be referred across to our parent company is if you have adverse credit, these type of applications are far more complex.

Documents required

Proof of identity

Proof of income

Proof of address

Bank statements

Know more

FCA Regulated Mortgage Advice You Can Trust

Every mortgage adviser at Fee Free Mortgage Broker is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 1011890, and you can verify this on the FCA register at fca.org.uk. What does that mean for you?

It means: The mortgage advice you receive meets strict FCA standards. You're protected under the Financial Ombudsman Service if something goes wrong. Our advisers hold the qualifications required to advise on regulated mortgage contracts. We are required to recommend only mortgages that are suitable for your individual circumstances. As an FCA-regulated, whole of market mortgage broker, we are not tied to any lender.

We are free to compare deals across the entire market and recommend the most suitable mortgage for your needs. Fixed rate, tracker, or any other type of mortgage available to UK borrowers. Choosing an FCA-regulated mortgage adviser isn't just good practice for most residential mortgages, it's your strongest protection as a consumer.

What our clients say

Real stories from homeowners who trusted us with their dreams.

Our reviews include feedback from both Fee Free Mortgage Broker and our sister company, AS Mortgages, showcasing the service provided by the same experienced advisers. See more here.