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  • Free initial consultation
  • Helpful experts who don’t work for commission
  • Searching 1000s of mortgages to find the best deal for you
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0117 981 7787

About us

At Which? Mortgage Advisers, we give you impartial mortgage advice to make sure you get the best deal when you’re moving house, remortgaging or buying a new home. Watch our short video to meet our team and find out how we can help you get the right deal for you.

How we can help

Our impartial advisers operate across all available lenders, without commission incentives and will even compare products that you can only apply for yourself directly with lenders.

We offer advice across various types of UK mortgages, from Buy-To-Let to First Time Buyer. Whether you’re uncertain about the options available to you, or you know exactly the type of product you are looking for but just want the best rates, why not challenge us to find the best option for your circumstances?

Let’s face it, the road to owning your first home is a bit scary. That’s one reason why more first time buyers now trust the impartial personal advisers at Which? Mortgage Advisers to cut through the jargon, help work out what they really need, and then search the market to find the very best deals available for you.

  • Get a free initial consultation
  • We’ll search thousands of mortgages to find the best deal for you
  • Our fully CeMAP qualified advisers are independent and paid a salary rather than commission
  • We’ll manage the paperwork and application process through to completion

Find out more

Remortgaging need not be a hassle. In fact, it’s something we should all consider doing regularly to make sure we’re still on the best mortgage deal. Rising house prices are reducing many home-owners LTVs, and lenders are offering highly competitive rates, so it’s worth asking us to advise you on your options.

  • Get a free initial consultation
  • We’ll compare your current mortgage to thousands of products
  • Our fully CeMAP qualified advisers are independent and paid a salary rather than commission
  • We’ll manage the paperwork and application process through to completion

Find out more

Moving home can be a stressful time, so why not let Which? Mortgage Advisers do some of the hard work for you, and make sure you’ve got the very best mortgage for your circumstances. We’ll manage the whole application process and ensure it goes as smoothly as possible.

  • Get a free initial consultation
  • We’ll search thousands of mortgages to find the best deal for you
  • Our fully CeMAP qualified advisers are independent and paid a salary rather than commission
  • We’ll manage the paperwork and application process through to completion

Find out more

The key to making a buy-to-let venture work for you is finding the best possible mortgage deal. That’s why it’s so important to take impartial advice – especially in today’s market. Download our free buy to let  guide.

  • Get a free initial consultation
  • We’ll search thousands of mortgages to find the best one for your buy-to-let investment
  • Our fully CeMAP qualified advisers are independent and paid a salary rather than commission
  • We’ll manage the paperwork and application process through to completion

Find out more

How we’ve helped

We think your service was excellent in every way – from the initial advice to the completion of the remortgage. There was no hassle whatsoever and we are very well pleased. We will certainly recommend your services to anyone we know who may be interested. Thank you very much.

Mr and Mrs Thwaites

We were very satisfied with the service and have recommended it to several friends as a result. Your advice was great – you took the time to explain everything clearly and carefully, which was very useful for someone who didn’t know much going into this.

Adam Cochrane

Thank you for your patience in helping us through the challenges of moving. You did a tremendous job. Thank you very much for helping in the expansion of our happiness.

Paul Robinson

Mortgage calculators

Get an idea of how much you could borrow and what your repayments might be with our handy calculators.

Use the repayment calculator

What we charge

You won’t pay for your initial consultation. If you decide that you’d like us to help with your application, we’ll charge a fee of £499* to cover our administration costs.

This is paid in two parts:

1. A first instalment of £249 when we start. This fee is non-refundable and payable on application.

2. A second instalment of £250 once you complete your mortgage. If you’re a full Which? Member when you first get in touch,this is £150 (this does not include temporary or trial membership).

*These amounts are subject to change. These charges apply to each mortgage contract you enter into through us. Once you’ve spoken to an adviser and provided details on your specific requirements, we’ll confirm the exact fee to be paid and when it will be collected.

On most mortgage applications we receive a
commission fee from the lender on completion. This
is separate from our administration fee and is an
additional fee we receive.

FAQs

Find answers to some of our frequently asked questions such as what is a fixed rate mortgage and a tracker mortgage? You can also download our free Mortgage Guide which answers common queries like how much can I borrow and how do I get a mortgage?

View more Frequently Asked Questions

With a fixed rate mortgage, the interest rate stays the same for a set period of time. This means that for every month during this set period, your mortgage repayments will remain the same, even if there are changes with changes to the Bank of England base rate, or your lenders’ standard variable rate (SVR).The term of a fixed rate mortgage usually lasts between two to five years, but can be much longer. When this period comes to an end, your lender will typically transfer you automatically onto its SVR.

For more information on the pros and cons of fixed rate mortgages give our experts a call and they can advise on the best option for your circumstance.

A tracker mortgage is a type of variable rate mortgage. The interest rate usually tracks the Bank of England base rate at a set margin (for example, 1%) above or below it. Tracker mortgage deals can last for as little as one year, or as long as the total life of the loan. Once your tracker deal comes to an end, you’re likely to be automatically transferred on your lender’s standard variable rate (SVR). Typically, this will have a higher rate of interest.

For more information on the pros and cons of tracker mortgages give our experts a call and they can advise on the best option for your circumstance.

A discount mortgage is a type of variable rate mortgage. The term ‘discount’ is used because the interest rate is set at a certain ‘discount’ below the lender’s standard variable rate (SVR) for a set period of time. For example, if a lender has an SVR of 5% and the discount is 1%, the rate you’ll pay will be 4%. And if the SVR is raised to 6%, your discount rate will also rise – in this case to 5%.Discount mortgage deals typically last between two and five years. When your discount mortgage deal comes to an end, your lender will typically transfer you automatically onto its SVR.

For more information on the pros and cons of discount mortgages give our experts a call and they can advise on the best option for your circumstance.

A standard variable rate mortgage (also known as an SVR or reversion rate mortgage) is a type of variable rate mortgage. The SVR is a lender’s ‘default’ rate – without any limited-term deals or discounts attached.

When a fixed, tracker or discount mortgage deal comes to an end, you will usually be transferred automatically onto your lender’s SVR.

It can be risky to stay on your lender’s standard variable rate mortgage. A lender can raise or lower its SVR at any time – and as a borrower you have no control over what happens to it. Standard variable rates tend to be influenced by changes in the level of the Bank of England’s base rate. However, a lender may also decide to change its SVR while the base rate remains unchanged.

If you are on a tight budget and relying on your SVR to remain low, you’re in a very vulnerable position. In this case, it is very important you try to remortgage onto a fixed rate deal (which offers rate stability) before it’s too late.

For more information on the pros and cons of standard variable rate mortgages give our experts a call and they can advise on the best option for your circumstance.

It’s impossible to predict with any certainty when interest rates will rise again – there are no hard or fast rules about when exactly it will happen.

The most important thing for borrowers is to be sure that if you’re on a tracker, discount or other variable rate mortgage – you could still afford your repayments if rates went up by 2%. Although it’s unlikely that rates would rise by 2% in a short period, it’s not impossible.

On Black Wednesday back in 1992, the Chancellor raised interest rates by 2% in one day, and a further 3% shortly thereafter. Although this was an extreme event, it goes to show that movements in interest rates can be unpredictable.

For more information about how interest rate changes could affect your mortgage give our experts a call and they can advise on the best option for your circumstance.

If you own the freehold it means you own your property and the land it is built on. This means, subject to planning laws, you can do what you like such as adding an extension or changing the garden. You can also pass it on to your heirs when you die.

But as the freeholder you are also responsible for any maintenance or repairs that need doing to your property – although of course you can decide whether to do them or not.

For more information about how a freehold could affect your mortgage selection give our experts a call and they can advise on the best option for your circumstance.

Under a leasehold agreement, you are effectively buying the right to live in and moderate the interior of a property for as long as the lease lasts. However, you will generally not own any communal parts of the building – such as lobbies and gardens in a block of flats – and you won’t own the land that your property is built on. Broadly speaking, this means you own everything within the walls of your property, including the floorboards and plaster but nothing outside of it, including the roof.

If you buy a leasehold property you are only able to live there for as long as the lease lasts, once this runs out, the property returns to the freeholder. If there is less than 70-80 years left on a lease you may struggle to get a mortgage for that property, or to sell it. But, once you have been living in a property for two years you can apply to extend the lease by up to 90 years – although you will have to pay to do this.

The freeholder will charge you ground rent to live in your property. You will also need to pay service charges to cover the cost of maintenance and repairs to communal areas of the building. The freeholder might manage this or employ a property management company to do it.

One of the risks of owning a leasehold property is that the freeholder may have the right to demand large sums of money to pay for external renovations to your property. This is particularly common in older blocks of flats, so it’s important to ask about scheduled and anticipated works before you buy a leasehold property.

For more information about how a leasehold could affect your mortgage selection give our experts a call and they can advise on the best option for your circumstance.

It is possible to purchase the freehold of a leasehold property under certain conditions, but this process, known as enfranchisement, can be lengthy and costly. You should seek advice from a solicitor or the Leasehold Advisory Service for more information.

Another option, if you live in a building with several flats in it, is to buy a share of the freehold along with the other leaseholders in the building, known as commonhold. In order to buy under a commonhold arrangement over half of the people living in the building must agree to buy a share. The owners will then collectively own the freehold and be responsible for its upkeep.

For more information about how a leasehold could affect your mortgage selection give our experts a call and they can advise on the best option for your circumstance.

We’re here to help you

Contact Which? Mortgage Advisers free from a mobile or landline on 0117 981 7787.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

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Monday – Friday: 9am – 6pm
Saturday: 9am – 1pm
Sunday: Closed