Mortgage brokers
Your mortgage, answered.
Tell us about your situation and we'll match you with FCA-authorised mortgage brokers who search the market for you. First home, next home or remortgage. Free, and you choose who gets in touch.
Free for homeowners · No obligation · FCA-authorised brokers only
Every broker's FCA authorisation and permissions are checked against the Financial Services Register before a single enquiry is delivered.
Checks matched to the service
We verify the business and complete the checks required for that service before a mortgage broker can receive an enquiry.
See what we checkYou control how many contact you
You choose how many matched professionals get in touch - and your details go only to those businesses.
Compare with no obligation
Your matches contact you directly. Compare their advice, fees and experience, then decide in your own time.
What mortgage brokers on Homeply can help with
One enquiry covers all of it. Tell us your situation once and the brokers who handle it get in touch.
- First-time buyer mortgages
- Home mover mortgages
- Remortgaging at the end of a deal
- Buy-to-let mortgages
- Shared ownership and affordable schemes
- Self-employed and contractor applications
- Complex income or credit histories
- Protection and insurance alongside the mortgage
How it works
A simpler way to find the right help.
1Tell us what you need
Answer a few quick questions about the service, property and postcode. It takes about 60 seconds.
2Get matched
We match you with Homeply Verified mortgage brokers who cover your area and are taking on work. You choose how many get in touch.
3Compare and choose
Your matches contact you directly with quotes. Compare price, what's included and credentials, then choose who feels right.
Brokers get in touch directly to talk through your situation. There's no credit check to enquire, and no obligation to proceed with anyone.
What Homeply Verified means for mortgage brokers
We check each broker's FCA authorisation and permissions against the Financial Services Register using their firm reference number, confirm the firm's identity, and record the principal firm where a broker is an appointed representative. We re-check at expiry and at least once a year.
Homeply is not a mortgage broker and doesn't give mortgage advice. The brokers we introduce you to do, and the relationship is with them.
See the full standardHow mortgage brokers charge
Some brokers are free to you. Others charge. Knowing how each is paid makes them far easier to compare.
- 1
How the broker is paid - some are fee-free and earn commission from the lender, others charge a fixed fee or a percentage
- 2
The complexity of your case - self-employment, adverse credit or unusual properties take more work
- 3
How much of the market they search - whole-of-market brokers compare across lenders rather than one panel
- 4
Timescales. If you need an agreement in principle quickly, say so up front; most brokers can move fast
Ask every broker two things before you commit: how they are paid, and whether they search the whole market. Both answers must be given to you in writing.
Frequently asked questions
Do mortgage brokers charge a fee?
Some charge nothing and are paid commission by the lender; others charge a fee as well, typically fixed or a small percentage. Every broker must tell you clearly how they're paid before you commit - compare that alongside the advice on offer.
What does whole-of-market mean?
A whole-of-market broker can recommend products from across the lending market rather than a limited panel, which usually means more options - including deals not available direct from your bank.
Will speaking to a broker affect my credit score?
An initial conversation and an agreement in principle usually involve a soft check, which doesn't affect your score. A full application involves a hard check - your broker will tell you before that happens.
Are the brokers regulated?
Mortgage advice in the UK is regulated by the Financial Conduct Authority. Before a broker can receive enquiries we check their FCA authorisation and permissions against the Financial Services Register, and you can check any firm there yourself.
Is Homeply a mortgage broker?
No. Homeply is not a broker and doesn't give mortgage advice. We introduce you to FCA-authorised brokers who cover your area; the advice, and the relationship, is with them. No broker can pay for a better position in your matches, and their advice and charges are their own, agreed directly with you.
What happens after I enquire?
Your matched brokers get in touch directly to talk through your situation. There's no credit check to enquire and no obligation to go further with any of them.
Why use a broker rather than going straight to a lender?
A lender can only offer its own products. A broker can compare across many, handle the paperwork, and is often paid by the lender rather than by you. For anything unusual - self-employment, a small deposit or a tight timescale - that breadth is usually the difference.
Ready to talk to a broker who knows your situation?
Find my mortgage brokerFree for homeowners · No obligation · You choose how many professionals contact you