{"id":172696,"date":"2019-02-25T10:17:24","date_gmt":"2019-02-25T10:17:24","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=172696"},"modified":"2026-04-29T17:24:16","modified_gmt":"2026-04-29T16:24:16","slug":"mortgage-brokers","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/mortgage-brokers","title":{"rendered":"Best mortgage brokers in the UK 2026"},"content":{"rendered":"<p>Whether you\u2019re buying your first home or looking to remortgage, a mortgage broker (or mortgage adviser) can help you to find the right mortgage to match your personal and financial circumstances. They can even handle the mortgage application on your behalf, making the whole process a lot easier. <\/p><h3>Our UK mortgage broker top picks<\/h3><ul>\n<li><strong>Best for first-time buyers: <\/strong><a href=\"#best-for-first-time-buyers\">Habito<\/a><\/li>\n<li><strong>Best for customer satisfaction: <\/strong><a href=\"#best-for-customer-satisfaction\">L&amp;C<\/a><\/li>\n<li><strong>Best for easy online platform: <\/strong><a href=\"#best-for-easy-online-platform\">Better.co.uk<\/a><\/li>\n<li><strong>Best for rate-scanning tech: <\/strong><a href=\"#best-for-rate-scanning-tech\">Mojo Mortgages<\/a><\/li>\n<li><strong>Best for adverse credit: <\/strong><a href=\"#best-for-adverse-credit\">Simply Lending<\/a><\/li>\n<\/ul>\n<script type=\"application\/ld+json\">\n{\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"ItemList\",\n    \"itemListElement\": [\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 1,\n            \"name\": \"Habito\",\n            \"description\": \"Best for first-time buyers\",\n            \"url\": \"https:\/\/www.finder.com\/uk\/mortgages\/habito\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 2,\n            \"name\": \"L&C\",\n            \"description\": \"Best for customer satisfaction\",\n            \"url\": \"https:\/\/www.finder.com\/uk\/mortgages\/london-and-country\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 3,\n            \"name\": \"Better.co.uk\",\n            \"description\": \"Best for easy online platform\",\n            \"url\": \"\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 4,\n            \"name\": \"Mojo Mortgages\",\n            \"description\": \"Best for rate-scanning tech\",\n            \"url\": \"https:\/\/www.finder.com\/uk\/mortgages\/mojo-mortgages-review\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 5,\n            \"name\": \"Simply Lending\",\n            \"description\": \"Best for adverse credit\",\n            \"url\": \"https:\/\/www.finder.com\/uk\/mortgages\/simply-adverse-review\"\n        }\n    ]\n}\n<\/script><div class=\"content tableWithFilters\n        \n        \n         best-cards-table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"05765e2d-7b1d-482f-8890-7fb785c621c3\" data-template=\"comparison\" data-niche=\"UKFHL\" data-site=\"UKFHL\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"mortgagebrokers\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"172696\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFHL\",\"fieldset\":\"mortgagebrokers\",\"template\":\"comparison\",\"category_id\":\"05765e2d-7b1d-482f-8890-7fb785c621c3\",\"category_name\":\"onlinebrokers\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778349428}' data-disable-alternative-products=\"true\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFHL\" data-site=\"UKFHL\" data-table-id=\"3903\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-leadform-modal=\"\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFHL\",\"fieldset\":\"mortgagebrokers\",\"template\":\"comparison\",\"category_id\":\"05765e2d-7b1d-482f-8890-7fb785c621c3\",\"category_name\":\"onlinebrokers\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778349428}'><div class=\"comparisonHistory__root\"><\/div><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfhl\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"5\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"9ad3e0af46199a843ff31fa5171e5ac19d9a8be6dea6b787b45d4a5dbde311c6\" data-table-record-type=\"product\" data-table-record-ids='[\"18cbd7d1-43dc-4dc4-8b63-1ca91645b6ed\",\"ca19fe44-c0af-4401-80b3-43023f0be0c3\",\"a2b138dd-058f-466b-96b9-fca4259fa556\",\"ac76f125-3eed-440e-a244-6f23a6681f10\",\"b3f52a38-59bc-446a-ba9a-f4b50302c729\"]' data-total-data=\"5\" data-enable-top-filters=\"false\" data-total-product-count=\"5\" data-sponsored-placements=\"0\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-3\"><th data-mobile=\"hide\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\">\n                                                        Finder Score\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.BROKERS.PANEL\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"panel_of_lenders\">\n                                                        Panel of lenders\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.BROKERS.FEE_FREE_SERVICE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"fee-free_service\">\n                                                        Fee-free service\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr class=\"best-card__attached-row\"><td><h3 id=\"best-for-first-time-buyers\" class=\"best-card__header\">Best for first-time buyers<\/h3><\/td><\/tr><tr data-product-id=\"18cbd7d1-43dc-4dc4-8b63-1ca91645b6ed\" data-provider-id=\"169c8f40-4ea5-4e52-a3b7-3020e3d10d74\" data-product-name=\"Habito\" data-provider-name=\"Habito\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/habito\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/69fb0988e2bc0.png\" alt=\"Habito logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/69fb0988e2bc0.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/69fb0988e2bc0.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/69fb0988e2bc0.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/69fb0988e2bc0.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/69fb0988e2bc0.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.5<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/habito\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Habito<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        \" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,global.product.misc_ukfin_v2_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.5<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"95+\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Panel of lenders\">\n                        95+\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"1\" data-column-index=\"3\" data-decorator=\"text,global.value.uk_tick_cross_medium_boolean\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee-free service\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":9.5,\"badges\":[],\"productId\":\"18cbd7d1-43dc-4dc4-8b63-1ca91645b6ed\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/habito-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFHL%22%2C%22fieldset%22%3A%22mortgagebrokers%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2205765e2d-7b1d-482f-8890-7fb785c621c3%22%2C%22category_name%22%3A%22onlinebrokers%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778349428%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2211938%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%2218cbd7d1-43dc-4dc4-8b63-1ca91645b6ed%22%2C%22product_name%22%3A%22Habito%22%2C%22post_id%22%3A%22172696%22%2C%22post_path%22%3A%22mortgages%252Fmortgage-brokers%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Habito's site\">Compare now<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Habito\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.5,\"badges\":[],\"productId\":\"18cbd7d1-43dc-4dc4-8b63-1ca91645b6ed\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Those looking to get a foot on the property ladder will love Habito's best-of-both-worlds service: on the one hand it's online, 24-7, slick and instant (don't forget it was acquired by Monzo in a deal announced in December 2025). But on the other hand, when you need to speak to an actual human (and not Jim down the pub, but a qualified expert) they're available on live chat. You don't need to book an appointment to talk to your expert, though as you might expect, this part of the service isn't 24\/7 (it's 9am-9pm Mon-Thurs and 9am-5pm Fridays). Plus, if you want to know about the schemes currently available to support first-time buyers, that's where an expert really comes into their own.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__18cbd7d1-43dc-4dc4-8b63-1ca91645b6ed\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__18cbd7d1-43dc-4dc4-8b63-1ca91645b6ed\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tFree to use.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tFull-market.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tQuick and hassle-free.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\t100% online and available 24 hours a day.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSpeak to actual human, fully-qualified experts.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tRegulated by the Financial Conduct Authority.\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo assistance offered when initially entering your information.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tMight struggle to find you the best deal if your circumstances are complex.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo in-person meetings (all online).\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tLive chat with a human expert isn't 24\/7 (it's 9am-9pm Mon-Thurs and 9am-5pm Fridays).\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><tr class=\"best-card__attached-row\"><td><h3 id=\"best-for-customer-satisfaction\" class=\"best-card__header\">Best for customer satisfaction<\/h3><\/td><\/tr><tr data-product-id=\"ca19fe44-c0af-4401-80b3-43023f0be0c3\" data-provider-id=\"10be2346-8376-46f8-bd3d-44a34c873d67\" data-product-name=\"L&amp;C\" data-provider-name=\"L&amp;C\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/london-and-country\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5cdd7d65a0388.png\" alt=\"L&amp;C logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5cdd7d65a0388.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5cdd7d65a0388.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5cdd7d65a0388.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5cdd7d65a0388.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5cdd7d65a0388.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/london-and-country\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">L&amp;C<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        \" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,global.product.misc_ukfin_v2_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"90+\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Panel of lenders\">\n                        90+\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"1\" data-column-index=\"3\" data-decorator=\"text,global.value.uk_tick_cross_medium_boolean\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee-free service\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":8.7,\"badges\":[],\"productId\":\"ca19fe44-c0af-4401-80b3-43023f0be0c3\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFHL%22%2C%22fieldset%22%3A%22mortgagebrokers%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2205765e2d-7b1d-482f-8890-7fb785c621c3%22%2C%22category_name%22%3A%22onlinebrokers%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778349428%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%22ca19fe44-c0af-4401-80b3-43023f0be0c3%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%22172696%22%2C%22post_path%22%3A%22mortgages%252Fmortgage-brokers%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to L&amp;C's site\">Compare now<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about L&amp;C\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.7,\"badges\":[],\"productId\":\"ca19fe44-c0af-4401-80b3-43023f0be0c3\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">As well as being full-market and the UK\u2019s largest fee-free mortgage broker, London &amp; Country (L&amp;C) boasts perhaps the best over-the-phone service of the brokers listed here. Unlike some brokers, it's contactable at weekends (which \u2013 shock horror \u2013 is when a lot of people look at houses). It's also fared well over the years in Finder's <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">customer satisfaction awards<\/a> as well as popular online review sites. L&amp;C estimates it could only take one 15-20 minute online survey, plus another 15-20 minute phone call to finalise your mortgage.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__ca19fe44-c0af-4401-80b3-43023f0be0c3\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__ca19fe44-c0af-4401-80b3-43023f0be0c3\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tFree to use.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tYou can use its online service 24 hours a day.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSpeak with experts on the phone (even at the weekend).\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tRegulated by the Financial Conduct Authority.\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo assistance offered when initially entering your information.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo in-person meetings (all online and over the phone).\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tMight struggle to find you the best deal if your circumstances are complex.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tCalls with a human expert aren't available 24\/7 (9am-8pm Mon-Thurs, 9am-5.30pm Fridays, 9am-5pm Saturdays and 10am-4pm Sundays).\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><tr class=\"best-card__attached-row\"><td><h3 id=\"best-for-easy-online-platform\" class=\"best-card__header\">Best for easy online platform<\/h3><\/td><\/tr><tr data-product-id=\"a2b138dd-058f-466b-96b9-fca4259fa556\" data-provider-id=\"ff2657b4-19fb-40eb-aeb3-2a9a1a4bc0be\" data-product-name=\"Better.co.uk\" data-provider-name=\"Better.co.uk\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/67e6b75c24be2.png\" alt=\"Better.co.uk logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67e6b75c24be2.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67e6b75c24be2.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67e6b75c24be2.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/67e6b75c24be2.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/67e6b75c24be2.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.5<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Better.co.uk<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        \" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,global.product.misc_ukfin_v2_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.5<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"90+\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Panel of lenders\">\n                        90+\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"1\" data-column-index=\"3\" data-decorator=\"text,global.value.uk_tick_cross_medium_boolean\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee-free service\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Better.co.uk\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.5,\"badges\":[],\"productId\":\"a2b138dd-058f-466b-96b9-fca4259fa556\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Better.co.uk offers a similar service to Habito, allowing you to answer an online questionnaire, then be recommended some great mortgages based on your answers. You\u2019ll be able to connect with a Better.co.uk mortgage broker via phone, email or live online chat to finalise the deal.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__a2b138dd-058f-466b-96b9-fca4259fa556\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__a2b138dd-058f-466b-96b9-fca4259fa556\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tFree to use.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tYou can use its online service 24 hours a day.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tLive chat with a human experts\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tRegulated by the Financial Conduct Authority.\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tThe online form is more convoluted than its competitors'.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tMight struggle to find you the best deal if your circumstances are complex.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo in-person meetings (all online).\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tLive chat with a human expert isn't 24\/7 (it's 9am-7pm Mon-Fri and 9am-5pm Fridays).\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><tr class=\"best-card__attached-row\"><td><h3 id=\"best-for-rate-scanning-tech\" class=\"best-card__header\">Best for rate-scanning tech<\/h3><\/td><\/tr><tr data-product-id=\"ac76f125-3eed-440e-a244-6f23a6681f10\" data-provider-id=\"bc425594-9205-4768-bf3b-ae11e04345c6\" data-product-name=\"Mojo Mortgages\" data-provider-name=\"Mojo Mortgages\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/mojo-mortgages-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5dc4519f9f025.jpg\" alt=\"Mojo Mortgages logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5dc4519f9f025.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5dc4519f9f025.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5dc4519f9f025.jpg?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5dc4519f9f025.jpg?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5dc4519f9f025.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/mojo-mortgages-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Mojo Mortgages<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        \" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,global.product.misc_ukfin_v2_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"60+\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Panel of lenders\">\n                        60+\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"1\" data-column-index=\"3\" data-decorator=\"text,global.value.uk_tick_cross_medium_boolean\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee-free service\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":7,\"badges\":[],\"productId\":\"ac76f125-3eed-440e-a244-6f23a6681f10\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/mojo-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFHL%22%2C%22fieldset%22%3A%22mortgagebrokers%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2205765e2d-7b1d-482f-8890-7fb785c621c3%22%2C%22category_name%22%3A%22onlinebrokers%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778349428%22%2C%22position%22%3A%224%22%2C%22offer_id%22%3A%2211936%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%22ac76f125-3eed-440e-a244-6f23a6681f10%22%2C%22product_name%22%3A%22Mojo%2BMortgages%22%2C%22post_id%22%3A%22172696%22%2C%22post_path%22%3A%22mortgages%252Fmortgage-brokers%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Mojo Mortgages's site\">Compare now<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Mojo Mortgages\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":7,\"badges\":[],\"productId\":\"ac76f125-3eed-440e-a244-6f23a6681f10\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Mojo puts a lot of emphasis on its tech, including its far-from-creatively-named \"Rate Check\" tool, which is actually a bit more exciting than it sounds. The idea is that even after you've got your mortgage offer, Mojo checks daily to see if your lender has reduced its rates for your deal. If it has, and if you're happy (and provided there's enough time before you complete), Mojo submits a request for the new deal.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__ac76f125-3eed-440e-a244-6f23a6681f10\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__ac76f125-3eed-440e-a244-6f23a6681f10\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tFree to use.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tYou can use its online service 24 hours a day.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSpeak with experts on the phone.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tRegulated by the Financial Conduct Authority.\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tMojo doesn\u2019t search the whole market.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tMight struggle to find you the best deal if your circumstances are complex.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo in-person meetings (all online and over the phone).\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tCalls with a human expert aren't available 24\/7 (9am-8pm Mon-Thurs and 9am-5pm Fridays).\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><tr class=\"best-card__attached-row\"><td><h3 id=\"best-for-adverse-credit\" class=\"best-card__header\">Best for adverse credit<\/h3><\/td><\/tr><tr data-product-id=\"b3f52a38-59bc-446a-ba9a-f4b50302c729\" data-provider-id=\"2c6d55d5-7371-4115-83d3-8af8fff35761\" data-product-name=\"Simply Lending\" data-provider-name=\"Simply Lending\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/simply-adverse-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/69f1f9b50cf94.png\" alt=\"Simply Lending logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/69f1f9b50cf94.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/69f1f9b50cf94.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/69f1f9b50cf94.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/69f1f9b50cf94.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/69f1f9b50cf94.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/simply-adverse-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Simply Lending<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        \" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,global.product.misc_ukfin_v2_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"Not specified\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Panel of lenders\">\n                        Not specified\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,global.value.uk_tick_cross_medium_boolean\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee-free service\"><svg class=\"luna-icon luna-icon--error luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":7.2,\"badges\":[],\"productId\":\"b3f52a38-59bc-446a-ba9a-f4b50302c729\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/simplylending-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFHL%22%2C%22fieldset%22%3A%22mortgagebrokers%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2205765e2d-7b1d-482f-8890-7fb785c621c3%22%2C%22category_name%22%3A%22onlinebrokers%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778349428%22%2C%22position%22%3A%225%22%2C%22offer_id%22%3A%2216963%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%22b3f52a38-59bc-446a-ba9a-f4b50302c729%22%2C%22product_name%22%3A%22Simply%2BLending%22%2C%22post_id%22%3A%22172696%22%2C%22post_path%22%3A%22mortgages%252Fmortgage-brokers%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Simply Lending's site\">Compare now<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Simply Lending\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":7.2,\"badges\":[],\"productId\":\"b3f52a38-59bc-446a-ba9a-f4b50302c729\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Getting a mortgage with a limited or damaged credit is not exactly easy or a barrel of laughs, so there's a lot to be said for a broker that specialises in exactly that. Formerly \"Simply Adverse\", Simply Lending is all about finding a way forward where other brokers might not, specialising in \"the complex and the unconventional\". The online-only service has over 70 in-house specialists and has been operating for over a decade.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__b3f52a38-59bc-446a-ba9a-f4b50302c729\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__b3f52a38-59bc-446a-ba9a-f4b50302c729\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSpecialists in adverse credit and non-standard circumstances.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tYou can use its online service 24 hours a day.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tRegulated by the Financial Conduct Authority.\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo in-person meetings (all online and over the phone).\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tBroker fee applies.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tAs a specialist in adverse credit, rates will be higher.\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - 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Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><h3 id=\"how_to_choose_the_best_mortgage_broker\">How to choose the best mortgage broker<\/h3><p>Here are the three main factors to consider when choosing one:<\/p><ol><li><strong>How many lenders they compare.<\/strong> A lot of mortgage brokers only work with specific lenders. Some brokers who claim to be \u201cwhole of market\u201d won\u2019t check lenders that offer \u201cdirect only\u201d mortgage deals, although others will. Either way, it\u2019s important to be clear about how many lenders your broker will compare on your behalf. If it\u2019s not truly \u201cwhole of market\u201d, you\u2019ll need to ensure you check the remaining lenders in order to guarantee yourself the best deal. In the UK, close to 100 is fantastic.<\/li><li><strong>Fee.<\/strong> Some brokers don\u2019t charge a fee, because they receive commission from lenders instead. Others will charge their customers a one-off fee. Make sure you\u2019re aware of how much and when you\u2019ll be charged.<\/li><li><strong>Customer service.<\/strong> Check for testimonials on brokers\u2019 websites.<\/li><\/ol><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div id=\"are_mortgage_brokers_better_than_banks\" itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Are mortgage brokers better than banks?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>While many people could be put off the idea of using a broker due to the fees some of them charge, the reality could be a lot different if they find you a good deal from the many mortgage products they have access to. You may end up saving thousands of pounds in the long term. However, it\u2019s worth noting that some banks will have certain deals that are only available directly to borrowers and not through brokers.<\/p><\/div><\/div><\/div><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>If your mortgage broker (or bank) tries to sell you life insurance or mortgage protection insurance alongside your mortgage, it\u2019s best to do your own research first as you\u2019re likely to find a better insurance deal elsewhere. Many brokers are tied to a small panel of insurers, so won\u2019t necessarily have the best deals.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rachel Wait, financial journalist<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3 id=\"advantages_of_using_a_mortgage_broker\">Advantages of using a mortgage broker<\/h3><ul><li><strong>Peace of mind.<\/strong> This a huge financial decision you\u2019re making, so there\u2019s a lot to be said for being sure you\u2019re doing the right thing. Buying a house is stressful enough without wondering whether you\u2019ve made a six-figure mistake. You\u2019ll be able to question your mortgage broker about any part of the house-buying process you don\u2019t understand.<\/li><li><strong>It saves time.<\/strong> Comparing every mortgage on the market is a time-consuming process and applying for one isn\u2019t a walk in the park either. Lenders will ask you for all types of paperwork and it can sometimes take weeks for them to process your application. A mortgage adviser can find the best deal for you and assist you with your application, helping to streamline the process and boost your chances of being approved.<\/li><li><strong>Knowledge of unique mortgage situations.<\/strong> Do you have bad credit or low income? Are you buying an unusually constructured property? Have you recently changed jobs, separated from a spouse or suffered a bankruptcy? All of these situations will affect your mortgage application. A mortgage adviser will know which lenders are best placed to approve applicants in these scenarios.<\/li><li><strong>Protect your credit score.<\/strong> When you apply for a mortgage, you\u2019ll be credit checked and this will result in your credit score decreasing slightly. That\u2019s no big deal if your application is approved, but it becomes a problem when you rack up multiple failed applications. In this situation, your credit score could take a serious dip, potentially harming your chances of being approved for any decent mortgage deals in the short-term future. By using a mortgage adviser, you boost your chances of being approved first time around.<\/li><li><strong>Some mortgages are only available through brokers.<\/strong> These experts therefore provide the easiest way to compare the whole market. <strong> <\/strong><\/li><li><strong>Some mortgage brokers can negotiate a better deal.<\/strong> Although this is far from a guarantee, many mortgage brokers have reported being able to negotiate a better rate for their customers. This service alone could be worth the fee you pay them.<\/li><\/ul><h3 id=\"advantages_of_going_through_a_bank_direct_lender\">Advantages of applying directly through a bank online<\/h3><ul><li><strong>It saves you the fee.<\/strong> If you\u2019re confident in your ability to find the best mortgage lender, you can save yourself the expense of a mortgage broker\u2019s fee by doing it yourself.<\/li><li><strong>Work during hours that suit you.<\/strong> When using a mortgage broker, you\u2019ll have to contact them during traditional working hours, whereas you can search and apply for a mortgage online at any time of day.<\/li><li><strong>You don\u2019t have to rely on anyone.<\/strong> While there are plenty of experienced brokers who would be dubbed ultra-reliable by their customers, not all of them can boast glowing reviews. If you prefer not trusting someone else with your finances, you might like to approach a mortgage provider directly.<\/li><\/ul><div id=\"can_a_mortgage_broker_negotiate_a_better_deal_for_me\" itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Can a mortgage broker negotiate a better deal for me?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Some mortgage brokers will approach a lender and submit an application on your behalf and many claim to be able to negotiate a better deal for you. When you consider how much even the smallest percentage drop could save you over the length of say, a 25-year mortgage, this benefit could be worth the broker fee alone.<\/p><p>What\u2019s more, some mortgages are only available through brokers, so you\u2019ll get access to a bigger range of deals by using one.<\/p><\/div><\/div><\/div><h3 id=\"the_different_types_of_mortgage_brokers\">The different types of mortgage brokers<\/h3><p>The most important difference is the number of mortgage providers that a broker will compare.<\/p><p>Some brokers are tied to specific lenders. Some will compare deals from a limited list of lenders, while others will claim to be \u201cwhole of market\u201d.<\/p><p>Yet, it gets more complicated than that, because some \u201cwhole of market\u201d brokers won\u2019t compare lenders that only accept direct applications.<\/p><p>If you don\u2019t use a mortgage broker who actually compares the \u201cwhole market\u201d, you\u2019ll need to do additional research to ensure you\u2019re truly getting the best deal.<\/p><h3 id=\"no_fee_mortgage_brokers_explained\">No-fee mortgage brokers explained<\/h3><p>If you\u2019re looking to save some cash, a no-fee mortgage broker could be the right option for you.<\/p><p>These are mortgage brokers that won\u2019t charge you a fee for some or all of the mortgage application process. Some will offer fee-free services for sourcing your mortgage and then charge for arranging it, while others will charge no fee for the entire process.<\/p><p>As such, no-fee mortgage brokers can be an attractive solution if you don\u2019t want to have to pay a large sum of money to secure a mortgage deal.<\/p><p>It is important to know that no fee mortgage brokers make their money by earning commission directly from lenders, which is why their services are not at any additional cost to you. This could mean that you do not get the best possible deal by going through a broker.<\/p><div id=\"at_what_stage_will_a_mortgage_broker_charge_a_fee\" itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">At what stage will a mortgage broker charge a fee?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>The answer to this question depends very much on the mortgage broker you choose to use. For instance, some mortgage brokers offer a no-fee service for recommending a specific loan. But if you decide to go ahead with their recommendation, then there can be fees of around \u00a3500-\u00a32,000 to pay once you submit the mortgage application. The fee you pay could come alongside another commission fee that the broker would receive from the lender on completion.<\/p><p>Other brokers, like <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/habito-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Habito%22%2C%22site%22%3A%22UKFHL%22%2C%22offer_id%22%3A%2211938%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%2218cbd7d1-43dc-4dc4-8b63-1ca91645b6ed%22%2C%22product_name%22%3A%22Habito%22%2C%22provider_id%22%3A%22169c8f40-4ea5-4e52-a3b7-3020e3d10d74%22%2C%22provider_name%22%3A%22Habito%22%2C%22post_id%22%3A%22172696%22%2C%22post_path%22%3A%22mortgages%252Fmortgage-brokers%22%2C%22post_country%22%3A%22uk%22%7D\">Habito<\/a> or <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22London%2B%255BAMPERSAND%255D%2BCountry%22%2C%22site%22%3A%22UKFHL%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%22ca19fe44-c0af-4401-80b3-43023f0be0c3%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%22172696%22%2C%22post_path%22%3A%22mortgages%252Fmortgage-brokers%22%2C%22post_country%22%3A%22uk%22%7D\">London &amp; Country<\/a>, offer free mortgage advice from start to finish over the phone or through live chat. This means you won\u2019t pay any fees, from when their brokers compare and source the best deals for you, to when they help you submit your online application.<\/p><p>While going fee-free will save you money and might sound like the way to go, it\u2019s important to remember that many of these brokers will only be accessible to you over the phone.<\/p><p>Some people may wish to have access to their broker face-to-face, in which case, paying the arrangement fees and opting for a traditional mortgage broker might be a better option for you.<\/p><p>A fee-free mortgage broker may also try to point you towards deals that will earn them a higher commission, which means you may end up paying more in the long term than if you had opted for a deal with a bigger fee in the first place.<\/p><\/div><\/div><\/div><\/div><h3 id=\"what_are_the_pros_and_cons_of_using_a_mortgage_broker\">What are the pros and cons of using a mortgage broker?<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>It's fast and potentially less stressful.<\/li>\n                                    <li>You'll be recommended a deal you're likely to be approved for.<\/li>\n                                    <li>You're far more likely to find the best deal.<\/li>\n                                    <li>Your broker might be able to negotiate a discount.<\/li>\n                                    <li>A good broker can guide you through the process.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Some mortgage brokers charge a fee.<\/li>\n                                    <li>Some mortgage brokers don't cover the whole market.<\/li>\n                                    <li>You'll have to work with your broker within their opening hours.<\/li>\n                                    <li>They'll want to sell you insurance products too (although having the right protection in place is very much a smart idea).<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Small one-man band brokers, vs online fintech brokers vs doing it yourself<\/h3><h4 class=\"has-padding-top-small\">Speaking with a small, human mortgage broker (potentially a one-man band)<\/h4><h5>What\u2019s good<\/h5><p>A <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/mortgage-brokers\">mortgage broker<\/a> will do the heavy lifting of finding the right mortgage for you based on your personal circumstances, income and more. And they\u2019ll use their years of experience to make the mortgage application on your behalf, which could give it a boost in the eyes of your mortgage provider. <\/p><p>Having a real human to touch base with can be invaluable, especially when faced with unexpected or complex issues. My broker became like a home-buying counsellor, and continues to check in with mortgage rate updates; so a huge support during and after the home-buying process.<\/p><h5>Potential downsides<\/h5><p>All this lovely support doesn\u2019t come for free. Mortgage brokers will charge a fee in a variety of ways: a fixed fee, a percentage of the loan or commission from the mortgage lender. <\/p><p>Choose an option that works for you and your budget. Your broker should be totally transparent about any fees in advance. Not all mortgage brokers cover the whole market, which means they may only have access to limited mortgage options. Full market is typically the way to go, unless you have very specific mortgage requirements. <\/p><h5>What to look for<\/h5><p>Individual mortgage brokers or advisers must complete a Certificate in Mortgage Advice and Practice (CeMAP), which is a qualification approved by the Financial Conduct Authority (FCA). So, look out for these when researching potential brokers.<\/p><p>Ask how reachable your broker\/adviser will be. Hopefully you won\u2019t need to make an appointment 2 weeks in advance for a 20-minute phone call!<\/p><h4>Using big online mortgage brokers<\/h4><h5>What\u2019s good<\/h5><p>Online mortgage brokers are ideal for people who don\u2019t want to DIY  but typically throw their phone across the room when they see a call come through. <\/p><p>An online mortgage broker like say, <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/habito-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Habito%22%2C%22site%22%3A%22UKFHL%22%2C%22offer_id%22%3A%2211938%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%2218cbd7d1-43dc-4dc4-8b63-1ca91645b6ed%22%2C%22product_name%22%3A%22Habito%22%2C%22provider_id%22%3A%22169c8f40-4ea5-4e52-a3b7-3020e3d10d74%22%2C%22provider_name%22%3A%22Habito%22%2C%22post_id%22%3A%22172696%22%2C%22post_path%22%3A%22mortgages%252Fmortgage-brokers%22%2C%22post_country%22%3A%22uk%22%7D\">Habito<\/a> or <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22London%2B%255BAMPERSAND%255D%2BCountry%22%2C%22site%22%3A%22UKFHL%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%22ca19fe44-c0af-4401-80b3-43023f0be0c3%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%22172696%22%2C%22post_path%22%3A%22mortgages%252Fmortgage-brokers%22%2C%22post_country%22%3A%22uk%22%7D\">London &amp; Country<\/a>, will compare mortgages and apply on your behalf \u2013 all via a digital service like a website or app. You\u2019ll get matched with a personal mortgage expert, but comms will typically all be via live chat or some kind of online portal or app. Online brokers aim to make the process fast and efficient, and often come with a sophisticated dashboard to help you easily track and manage your mortgage application \u2013 as well as potential additional tools and calculators.<\/p><h5>Potential downsides<\/h5><p>Similar to human mortgage brokers, online brokers will likely charge a fee, even if it\u2019s commission from the mortgage provider. However, any fees you personally might incur are typically cheaper than those charged by a traditional mortgage broker. <\/p><p>Being a digital-only service, online mortgage brokers may offer less personalisation than human brokers and it may be harder to access support for a particularly complex or nuanced issue. Again, unless you have very specific requirements, ensure your online broker covers the whole market, as some may only have access to limited mortgage products.<\/p><h4>Ditching the broker\/adviser for DIY<\/h4><h5>What\u2019s good<\/h5><p>The do-it-yourself model could be a good option for your type-A personalities, planners and spreadsheet lovers \u2013 or, if you CBA to fork out a broker fee. Taking such a hands-on approach to finding the right mortgage gives you tons of oversight over the market and the rates, products and terms that are available. And, essentially, you automatically have full-market access (aside from a few deals only available through brokers). Plus, with no middleman, you\u2019ll have direct contact with your mortgage provider. <\/p><h5>Potential downsides<\/h5><p>While we don\u2019t doubt your skills as a researcher, particularly if you\u2019re a first-time buyer you\u2019re essentially learning on the job\u2026 which could mean you miss an important detail or mortgage product you didn\u2019t know existed. So it\u2019s up to you to be super thorough. Even then, there may be deals which only brokers can access.<\/p><h3>The bottom line<\/h3><p>Mortgage brokers can save you a lot of time and research, especially if your financial circumstances are unusual. They have an in-depth knowledge of the mortgage market, know which lenders might be more likely to accept your application and often have access to a really wide range of mortgage products.<\/p><p>But there are sometimes fees for using their services, plus some are not \u201cwhole of market\u201d or don\u2019t include \u201cdirect only\u201d mortgages offered by lenders to borrowers without an intermediary involved. So make sure you research your mortgage broker before you proceed with them.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Discover if you need a mortgage broker, find out how one can help you and learn how to find the best mortgage broker for your situation.<\/p>\n","protected":false},"author":645,"featured_media":172776,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[1023],"tags":[],"asset_tag":[],"class_list":["post-172696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages"],"apple_news_notices":[],"yoast_head":"<!-- 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