- First Time Buyers
- Buy to Let
- Other Mortgages
- Mortgage Rates
- About Us
You've come to the right place
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.
Our helpful, expert brokers offer completely impartial advice
and are with you from the first phone call until your mortgage completes
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.
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.
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.
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.
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.
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:
A first instalment of £299 when we start. This fee is non-refundable and payable on application.
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.
Contact Which? Mortgage Advisers free from a mobile or landline on 0800 316 4071
Or we’ll arrange to call you
Your home may be repossessed if you do not keep up repayments on your mortgage.
Lines are open:
Monday – Thursday: 9am-8pm
Bank Holidays: closed