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If you're looking for independent

Mortgage Brokers

You've come to the right place

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0800 316 4071

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Lines are open:
Monday to Thursday: 9am - 8pm
Friday: 9am - 6pm
Saturday: 9am - 1pm

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Why choose Which? Mortgage Advisers?

  • We're search 11,000+ mortgages to find one that's right for you
  • We even look at deals you can only get by going direct to a mortgage lender
  • We’ll let you know, completely free of charge, if you could get a cheaper rate by going direct to a lender rather than using our service.
  • Our qualified mortgage advisers are fully independent and impartial
  • Our advisers don't earn commission, when they recommend a deal
    it's because it's right for you not for us
  • Your initial consultation is free - you only pay a fee if you decide
    to submit an application with us

Get the mortgage deal you need

  • Our recommendation will be 100% tailored to your needs and circumstances
  • When you call you’ll speak directly to a qualified mortgage broker who will be with you from the first call right through to completion.
  • We offer independent advice to make sure you get the best deal whether you’re a first time buyer, remortgaging, buying a new home or looking for a buy to let mortgage.
  • We are completely independent and aren't tied to any particular lender or panel, we look at mortgages from a wide range of lenders including Halifax, Natwest, Santander, Barclays, Godiva, Nationwide and many more

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 How much can I borrow? Use the stamp duty calculator

About Which? Mortgage Advisers

We’re part of Which?, the independent consumer champion, and we make sure your interests come first. All our advisers are completely impartial and CeMAP qualified - so you can count on their expert knowledge. Watch our short video to meet our team and find out how we can help you get the right deal for you.

Call now for
Impartial mortgage advice

Our helpful, expert brokers offer completely impartial advice
and are with you from the first phone call until your mortgage completes

Call us now

Free from your mobile or landline

0800 316 4071

Or we can call you...

Request a call back

Lines are open:
Monday to Thursday: 9am - 8pm
Friday: 9am - 6pm
Saturday: 9am - 1pm

More about finding the right mortgage deal

We offer independent advice to make sure you get the best deal whether you’re a first time buyer, remortgaging, buying a new home or looking for a buy to let mortgage.

How much deposit do I need?

There is no standard amount of deposit that you need but generally speaking the bigger the deposit you have, the cheaper the mortgage deals you will be able to get. But don’t despair if you’re struggling to save a large deposit there are still many mortgages out there for first time buyers. You can find typical first time buyer mortgage rates in our rates tables.

What is Loan to Value (LTV)?

Loan to value, or LTV,  is expressed as a percentage and is key when you’re remortgaging. To find out your LTV, take the value of your mortgage for example £100,000, divide it by the value of your home, for example £300,000 and multiply that number by 100. In this example your LTV is 33%. The lower your loan to value, the better the rate you can get. Call one of our expert advisers today, we can help calculate your LTV and talk you through the mortgage deals available to you.

Are you looking for a fixed rate mortgage?

If you’re looking to get a new fixed rate mortgage while rates are low we can search remortgage rates and different fixed periods to find a deal that suits your plans. Since the situation is changing rapidly and what is really key when making a mortgage comparison is getting advice that works for you as an individual – now is the time to speak to an independent adviser to get advice tailored to your personal circumstances.

Moving home?

At Which? Mortgage Advisers we believe that moving home is the perfect opportunity to look for a better mortgage deal. Whether you’re looking to buy a bigger property and borrow more – or want to let out your current home and buy somewhere new elsewhere – our impartial advisers can talk you through your options.

  • When I first contacted Which Mortgage Advisers, following a Google search we both were very down after receiving several knock backs and there did not seem there was a way out for us without taking some drastic action and possibly having to move house, but Shabeer's expertise found us a way forward and this was continued by Jaime through to completion. We are now in a lot happier place and are able to keep our home through your help.
    Stephen & Janita
  • We used Which Mortgage advice service for our recent house move. Our advisor, Chris Timms, was incredibly helpful and took the time to ensure we both fully understood the different packages which were available to us. He was on hand to answer our queries and to assist when our circumstances changed part way through the process. I cannot recommend this service highly enough.
    Rebecca Fuller

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 £299 when we start. This fee is non-refundable and payable on application.

2.

A second instalment of £200 once you complete your mortgage. If you're a full Which? Member when you first get in touch, this is £100 (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 additional fee we receive.

We’re here to help you

Contact Which? Mortgage Advisers free from a mobile or landline on 0800 316 4071

Or we’ll arrange to call you

Request a call back

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

Lines are open:
Monday – Thursday: 9am-8pm
Friday: 9am-6pm
Saturday: 9am-1pm
Sunday: closed
Bank Holidays: closed