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Broker comparison: five UK mortgage brokers to compare

Compare five well-known UK mortgage brokers by service model, fees, lender range and borrower fit. This is editorial information only, not a personal recommendation or a ranking of suitability.

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

How we selected the brokers

We looked at brokers with a visible UK mortgage advice service, national availability or a large adviser footprint, online comparison capability, public fee information and relevance for common UK purchase and remortgage searches.

The table does not prove that one broker is best for you. A suitable route depends on your income, credit history, deposit or equity, property type, mortgage purpose and whether you prefer digital, phone or local adviser support.

Broker details can change. Check each broker's current fee, lender range, regulatory status and terms before sharing personal information or applying.

Top UK broker comparison table

The order below is editorial and based on comparison usefulness, not a regulated recommendation. Fees and lender access should be confirmed directly with the broker.

How we make money
Broker Best-fit comparison point Service model Lender range Fee position Commercial link
L&C Mortgages Good to compare for fee-free national phone and online advice National broker with online, phone and adviser-led support Broad market access; direct-only lender deals may not be included Advertises fee-free mortgage advice Visit broker
Habito by Monzo Good to compare for a digital-first application journey Online mortgage broker with digital case handling Market comparison based on its available lender access and criteria Often promoted as free for mortgage advice; check current terms before proceeding Visit broker
Mojo Mortgages Good to compare for online advice with a broad lender panel Online broker with adviser calls and in-house mortgage experts Advertises access to mortgages from 60+ lenders Advertises no charge for the initial consultation or mortgage recommendation Visit broker
Tembo Good to compare for affordability support and specialist schemes Whole-of-market online broker with a focus on affordability and first-time buyer schemes Advertises access across 100+ lenders and specialist schemes Typically charges a broker fee, with published standard and complex-case fee bands Visit broker
Mortgage Advice Bureau Good to compare for adviser network scale and local support Large UK adviser network with online, phone and local adviser routes Broad lender access through its adviser network States there may be a fee for mortgage advice; typical fee is a percentage of the amount borrowed Visit broker

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

Commercial disclosure: outbound broker links may be tracked and may result in a referral fee if a commercial arrangement applies. You can also visit each broker directly without using these links.

Pros and cons by broker

L&C Mortgages

Good to compare for fee-free national phone and online advice

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Pros

  • No broker advice fee is attractive for cost-conscious borrowers
  • Large national broker with established mortgage-process infrastructure
  • Useful for standard purchase, remortgage and buy-to-let enquiries

Cons

  • May not include products only available direct from a lender
  • Fee-free does not mean the mortgage itself has no lender fees or other costs
  • Online experience may still involve adviser contact before a recommendation

Habito by Monzo

Good to compare for a digital-first application journey

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Pros

  • Digital journey may suit borrowers who prefer online progress tracking
  • Can be convenient for first-time buyers who want remote support
  • Brand association with Monzo may appeal to app-led banking users

Cons

  • Digital journeys are not always the best fit for very complex circumstances
  • Availability of advice and lender access should be checked before relying on it
  • Borrowers should confirm whether any linked services carry separate costs

Mojo Mortgages

Good to compare for online advice with a broad lender panel

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Pros

  • Clear online journey supported by adviser conversations
  • Broad lender access may help with straightforward purchase and remortgage comparisons
  • Useful if you want a digital start but still expect a scheduled call

Cons

  • Initial free support does not remove lender fees, valuation fees or legal costs
  • Panel access is not the same as every direct-only product in the market
  • Complex cases may still need detailed adviser assessment before options are clear

Tembo

Good to compare for affordability support and specialist schemes

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Pros

  • Strong fit for borrowers exploring guarantor, family-support or low-deposit routes
  • Publishes a clear fee structure for standard and complex cases
  • Combines mortgage advice with savings and home-buying planning tools

Cons

  • A broker fee can make it more expensive than fee-free alternatives
  • Affordability improvements are not guaranteed and depend on circumstances
  • Some savings-linked benefits depend on separate product terms and eligibility

Mortgage Advice Bureau

Good to compare for adviser network scale and local support

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Pros

  • Large adviser network can suit borrowers who prefer local or named adviser support
  • Covers common purchase, remortgage, buy-to-let and later-life mortgage topics
  • Useful for borrowers who value a guided, adviser-led process

Cons

  • Fees can vary, so borrowers should ask for the exact cost before proceeding
  • Experience may vary by adviser or appointed representative firm
  • Protection or related services may be discussed separately and should be assessed on their own terms

How to choose a mortgage broker

  1. Check the broker's FCA status and ask whether you will receive regulated mortgage advice.
  2. Ask whether the broker is whole-of-market, panel-based or restricted, and whether direct-only lender deals are excluded.
  3. Confirm every fee before you proceed, including when it is payable and whether it is refundable.
  4. Compare total mortgage cost, not just the headline interest rate or whether advice is fee-free.
  5. Read privacy terms before submitting personal information and avoid pressure to apply before you understand the service.

Frequently asked questions

Is this a recommendation to use one of these brokers? +
No. This page is general information only. It compares public service features and does not recommend a broker, lender, mortgage product or rate for your circumstances.
Do broker fees mean a broker is better or worse? +
Not necessarily. A fee-free broker may suit some borrowers, while a broker that charges a fee may offer support that a borrower values. Always ask what the fee covers, when it is payable and whether it is refundable.
Can a broker guarantee mortgage approval? +
No. Mortgage approval, rates, fees and affordability depend on your circumstances, the property and lender criteria. No broker should guarantee approval or a specific rate before a lender has assessed the case.
Why are the broker links labelled as commercial links? +
Some outbound links may be tracked and we may receive a referral fee if a commercial arrangement applies. This does not change the information on the page and you are not required to use any link.

Rate comparison with context

Compare Mortgage Rates is built around comparing mortgage costs beyond the headline rate. Product fees, term, loan-to-value and lender criteria can all change what is appropriate for a borrower.