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Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it

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How much will a mortgage cost?

Try out our simple calculator to find out how much your mortgage could cost

Why choose us?

Expert
advice

Tell us more about yourself either online or over the phone and our clever systems and specialist mortgage advisors will search some of the UK’s best lenders to find a great deal for you.

We find you
a GREAT deal

We continually monitor mortgages from some of the UK’s leading lenders to find a great deal for you. Our systems currently track over 1000 mortgage deals!

Super
easy

We make applying for a mortgage super-easy. Apply online! Send your documents as snaps from your phone and get updates via phone, email or web-chat.

We know
the lenders

These days getting accepted for a mortgage isn’t easy. We know each lender’s preferences in depth and we’ll recommend those that match your personal circumstances.

Our promise

Whether you’re looking to increase your borrowing, save money or simply find a great mortgage deal; our expert advisors are able to find a mortgage that works for you. Your personal mortgage advisor will compare mortgages from some of the UK’s best lenders to find you the right deal.

We will take away all of the hassle of comparing mortgage offers, communicating with lenders and putting together your application so that you can relax and enjoy your spare time.

Our experienced mortgage experts will manage your application from researching the deals available to arranging your new loan right up to completion.

Fees - There may be a fee of up to 1% of the mortgage amount for our service. The precise amount will depend on your circumstances with nothing to pay until you receive a formal offer from your mortgage lender.

We work with the UK’s leading mortgage lenders and will review thousands of deals before making a recommendation.

No Mortgage/No Fee – If we don't get you a mortgage, or if the mortgage doesn't go ahead, there is nothing to pay.

Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it

Frequently asked questions

There are a number of choices to make when it comes to picking the mortgage that’s right for you. Some of the common varieties of mortgage are:

Fixed Rate – With this type of mortgage, the amount of interest you pay will not change during an agreed period of time, no matter what happens to UK interest rates. This can offer protection from increases in interest rates and offers peace of mind. However, borrowers with a fixed-rate mortgage will not enjoy lower loan repayments should interest rates fall.

Standard Variable Rate – This is the standard interest rate offered by most lenders. The interest you pay may change at any time and is determined by the lender. When a fixed-rate mortgage deal comes to an end, borrowers will typically move onto their lender’s standard variable rate unless they re-mortgage.

Discount – Sometimes lenders will offer a discount on their Standard Variable Rate (SVR). E.G. 1.5% below the SVR. This is typically for a fixed period of time (such as three years) and discounts and SVRs vary from lender to lender. It is important to compare the UK’s Best Lenders to ensure you find the most suitable deal.

Tracker – Tracker mortgages follow the base rate set by the Bank of England and are usually set somewhere just above that base rate. So, when the Bank of England base rate moves, the mortgage interest rate (and repayments) change in line with the increase or decrease in the base rate.

Capped – A capped-rate mortgage works just like a Standard Variable Rate mortgage with one difference. The potential increase in the mortgage rate is capped a maximum rate. This can offer peace of mind at times when interest rates are likely to increase significantly.

Offset – By linking your current account, savings account and mortgage together, you can use your savings like an overpayment on your mortgage so that the amount of interest you pay is reduced. You still make the same payment to your lender each month but your savings enable you to reduce the balance more quickly.

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

The maximum amount you can borrow varies from lender to lender. However, as a general rule of thumb, lenders will consider your total income (including your salary, bonuses and any other sources of taxable income) as well as the amount of equity in your home. They’ll also take into account  your other committed expenditure e.g. monthly payments on any other borrowing you may have.

Our experts will help you to work out the total amount that you can borrow and find deals that match your needs.

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

If you switch your mortgage deal from one lender to another, or if you renegotiate with your lender to get a better deal; this is called a “re-mortgage”.

You may want to re-mortgage because the deal you’re on is coming to an end. You may want to compare lenders to see if someone new can offer you a better rate. Perhaps you want to re-mortgage in order to borrow more money for home improvements or to pay off other debts.

Whatever your reasons for wanting a better mortgage, our expert mortgage advisors will get to know what’s important to you and find a mortgage that matches your needs. Once we agree on a deal that ticks all the right boxes, we will manage the entire application process so you can relax safe in the knowledge that your better mortgage is taken care of.

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

Protecting your loved ones should the unthinkable happen is usually something that we would recommend. When it comes to your mortgage, you may want to ensure that your home is not at risk if you are unable work due to illness or an accident. Or, you may need to think about what would happen to your family if you pass away before the mortgage is repaid.

Our advisors are experts in protection and can advise you on how to cover yourself and your family against death, accident, sickness and unemployment. We will also be able to arrange protection for you so that you can get everything taken care of in one place.

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

Have a question?

Give our experienced team a call and we’ll be happy to talk you through our process

Lines open:
Monday – Thursday: 08:30 – 19:00
Friday: 08:30 – 16:30

Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it

Here are just a few of our mortgage lenders

About us

We are an expert team of specialist mortgage advisors who take away all the hassle of finding a great mortgage deal and arranging your new loan.

We will compare offers from a wide range of UK mortgage lenders to find a mortgage match that’s perfect for you. Our hugely experienced team will then take care of the entire application process to make sure that your new mortgage is arranged swiftly and without any fuss.

If you’re looking for the easiest way to find a better mortgage, choose The Better Mortgage Company.

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