Finding the right mortgage for your needs can be a tricky process. Our free mortgage advisors are here to help.
The Fees Free Mortgages team are on your side. Whether you’re looking to get on the property ladder, purchase your next home, or re-mortgage, we’ll work to find you the perfect option, stress-free, hassle-free, and most importantly, fees-free.
How do we do it? Simple. Our experienced team work with – not against – your individual circumstances. Tell us about you and your requirements, and we’ll set you up with a dedicated mortgage expert who’ll review every deal on the market and handle all proceedings on your behalf whilst your case manager keeps you in the loop from start to finish. No broker fee needed!
Services
We know that every single one of our clients is unique – meaning our mortgage offerings shouldn’t be ‘one size fits all’. Over years of helping individuals, families, and everyone in between find their mortgage match, we’ve worked with an endless number of requirements.
That’s why we developed a carefully crafted range of whole market mortgage services designed to meet the unique needs of anyone, anywhere.
Purchasing your first house should be fun, not frightening; and we’re here to help.
Learn MoreGet it right first time, for free. Avoid common pitfalls, and save money.
Learn MoreDiscover the advantages of financial flexibility with our dedicated remortgaging service.
Learn MoreUnlock the power of buy-to-let investment with the help of our mortgage experts and their fees-free assistance.
Learn MoreFind and secure a mortgage deal tailored to your circumstances, whether you're a contactor, a director or self-employed.
Learn MoreOur experienced new build mortgage brokers are the perfect partner for those looking to secure an off-plan option, big or small.
Learn MoreConvert and rent out your existing property, whilst taking out a standard mortgage on your new one.
Learn MoreReady to stake your claim as a serious buyer? A mortgage in principle is the perfect first step towards securing your ideal home. We’ll put together a comprehensive document accurately demonstrating your borrowing potential – helping put you in a good position to make an offer the seller can’t refuse.
Do you want to purchase a property but don’t know how much you can afford? Or perhaps you’re looking to calculate your mortgage repayments? Maybe you’re just not ready to apply yet? Whatever your situation, our simple mortgage calculators are here to help you crunch the numbers.
Unlike the industry ‘big boys’, Fees Free Mortgages is motivated by clients – not commission.
We’ll work hard to find and apply for the best mortgage deal for your individual circumstances; no strings attached. Best of all, our comprehensive services are completely fees free!
Most mortgage firms and brokers charge an arrangement fee upfront, or on completion of your application. We’re different. Our team work on an entirely fees-free basis, meaning you’ll never be charged for mortgage advice, or for arrangement - regardless of your circumstances.
We believe that the best brokers provide a personal touch - not outsourced calls and automated responses. With Fees Free Mortgages, you’ll be assigned an in-house personal broker and case manager, both of whom will be by your side throughout the process.
With thousands of mortgage options available on the market, it’s highly unlikely that you’ll get the best deal from your bank. On the other hand, whole of market brokers without lender ties are able to offer a wide range of deals, accompanied by unbiased mortgage advice.
Selecting a mortgage broker is a big step in one of the most significant financial decisions of your life - meaning it’s vital to ensure your final choice is trustworthy. Fees Free Mortgages are directly authorised by the FCA and are and fully accountable for the mortgage advice we give.
We promise to handle all the hard work, meaning you can sit back and relax until your mortgage completes, whilst your dedicated broker and case manager keep you in the loop. With us, you’ll always be fully informed on the stage and details of your application.
We believe everyone should have access to free, unbiased mortgage advice and brokerage. That’s why we’re proud to have developed flexible services benefitting clients from Cornwall to Carlisle and beyond. We’ll work to find your perfect mortgage, whether in-person in our flagship office, through one of our UK representatives, or over video call.
Discover our clients’ mortgage success stories.
I had so many questions and unknowns about buying my first home but none of them were too silly for Martin to answer. He helped me with finding the mortgage lender that suited me and did all the paperwork upfront, so to make everything run smoothly later on. He advised me with insurance and gave me me guidance and updates every step of the way. For me, Martin made buying my first home an exciting experience, not a stressful one and I would recommend him every time. Thank you.
First Time Buyer Mortgage
5.0
Martin Bright has been exceptional throughout a long and convoluted process. After three attempts at securing a house (and three mortgage searches), Martin was patient and professional, always happy to help and always finding a better deal than I thought possible. He explains things clearly and puts forward his thoughts and justifications in a very considered way. I have a 5yr fix at 0.9%. Which beggars belief really! Fantastic outcome, brilliant service and a thoroughly nice chap all round. Wouldn’t hesitate to recommend, and I already have done to a couple of friends looking to secure their own mortgages.
First Time Buyer Mortgage
5.0
5.0
I had so many questions and unknowns about buying my first home but none of them were too silly for Martin to answer. He helped me with finding the mortgage lender that suited me and did all the paperwork upfront, so to make everything run smoothly later on. He advised me with insurance and gave me me guidance and updates every step of the way. For me, Martin made buying my first home an exciting experience, not a stressful one and I would recommend him every time. Thank you.
First Time Buyer Mortgage
5.0
Martin Bright has been exceptional throughout a long and convoluted process. After three attempts at securing a house (and three mortgage searches), Martin was patient and professional, always happy to help and always finding a better deal than I thought possible. He explains things clearly and puts forward his thoughts and justifications in a very considered way. I have a 5yr fix at 0.9%. Which beggars belief really! Fantastic outcome, brilliant service and a thoroughly nice chap all round. Wouldn’t hesitate to recommend, and I already have done to a couple of friends looking to secure their own mortgages.
First Time Buyer Mortgage
5.0
Martin and his team were always quick to respond from mortgage application through to completion. He provided valuable advice and insight throughout, especially during the economic downturn and rapid rises with interest rates, and secured us a great deal with a lightning fast turnaround. Also, Adelle made obtaining Life and Financial Protection insurance super easy – allowing us time to look through the deals she prepared and was always willing to explain complex or unfamiliar terms to us. When we end up moving house in the future – I’m sure I’ll be giving Fees Free Mortgages a call.
Free Mortgage Advice
5.0
For anyone buying a new home, looking to re-mortgage or interested in setting up life cover – then Martin is absolutely your man. My wife and I have been using Martin for the past 4-years for our mortgages, personal and business life cover, and I would never go else where. Martin offers a very personal and professional service, he is extremely knowledgeable, honest and consistent, and is always looking for the best option for his client. I would highly recommend, great guy.
Self Employed Mortgage
Martin and his team were always quick to respond from mortgage application through to completion. He provided valuable advice and insight throughout, especially during the economic downturn and rapid rises with interest rates, and secured us a great deal with a lightning fast turnaround. Also, Adelle made obtaining Life and Financial Protection insurance super easy – allowing us time to look through the deals she prepared and was always willing to explain complex or unfamiliar terms to us. When we end up moving house in the future – I’m sure I’ll be giving Fees Free Mortgages a call.
Free Mortgage Advice
5.0
For anyone buying a new home, looking to re-mortgage or interested in setting up life cover – then Martin is absolutely your man. My wife and I have been using Martin for the past 4-years for our mortgages, personal and business life cover, and I would never go else where. Martin offers a very personal and professional service, he is extremely knowledgeable, honest and consistent, and is always looking for the best option for his client. I would highly recommend, great guy.
Self Employed Mortgage
5.0
A mortgage advisor who is ‘whole of market’ is a mortgage broker who has access to the entire mortgage market. Some advisors are ‘tied’ and only have access to a certain panel of lenders.
Our ‘whole of market’ independent mortgage brokers work to deliver a personal touch behind our mortgage support and the fee-free mortgage advice we give, ensuring every interaction with us is a positive experience – and that you’re able to secure the best possible mortgage deal.
A fee-free mortgage is exactly what it sounds like – a mortgage without a mortgage broker fee.
Whilst there can be many fees that could be involved when you mortgage or remortgage, most of which are imposed by your chosen bank or lender, there’s one fee that a mortgage broker can decide whether or not to charge – a ‘mortgage broker fee’.
Fees Free Mortgages get paid by the bank or lender on the completion of a mortgage application, meaning we don’t need or want to charge our clients additional fees– simple!
Not all mortgage brokers charge fees! Some brokers will charge upfront fees, completion fees or percentage fees. Fees Free Mortgages, however, are completely fees-free mortgage brokers. We get paid commission by the banks that we recommend – meaning we don’t need or want to charge our clients additional fees. We’re completely ‘whole of market‘, independent and unbiased, so will always strive to get you the best mortgage rates and the mortgage deal that suits you.
Mortgage brokers typically aim to assist their clients in completing real estate transactions by acting as a ‘middle man’ between them and lenders. Throughout the mortgaging process, a broker will typically search the market on behalf of the client, finding the best deals in line with their needs, whilst providing support and advice. Some mortgage brokers will complete and make applications on behalf of their clients.
A good mortgage broker will take you through the mortgaging process from start to finish and work on your behalf with each party involved – sourcing and securing the best possible deal for your unique circumstances.
You do not need a mortgage advisor. However, there are many benefits to using one.
Using a mortgage broker ensures you get a fully comprehensive financial assessment and provide you with mortgage deals that you are almost certainly eligible for. Apart from saving yourself a huge amount of research time, you are also benefiting from the larger range of mortgage providers that are available exclusively to mortgage brokers.
With our independent status, you can be sure when working with us, we are providing you with unbiased advice.
Mortgage broker fees are a charge implemented by some mortgage brokers and advisors for use of their services. Some brokers will charge upfront fees, completion fees or percentage fees. The exact cost of these fees will depend on the broker you are using.
With this being said, not all mortgage brokers even charge fees! Fees Free Mortgages, for example, are completely fees-free. We get paid commission by the banks that we recommend – meaning we don’t need or want to charge our clients additional money for the services we provide.
There are a number of non-negotiable fees attached to mortgage applications and completions, most commonly including booking fees, arrangement fees and valuation fees – all of which can be paid either upfront or as part of your mortgage repayments. One mortgage fee you may be able to minimise or avoid by ‘shopping around’ for the correct broker, however, is a mortgage broker fee. This expensive fee is written off by some lenders – who claim payment in the form of commission from banks post-completion instead of directly from clients.
Fees Free Mortgages are a great example of this. Our whole-of-market approach allows us to keep our services completely fees-free for clients – whilst remaining completely unbiased – meaning we’ll be able to help you find the best possible mortgage deal at no extra cost.
A mortgage broker is most often defined as a person or company that works on behalf of a client seeking a mortgage – acting as an intermediary between the buyer and lender. Throughout the mortgaging process, a broker will typically search the market on behalf of the client, finding the best deals in line with their needs, whilst providing support and advice. Some mortgage brokers will complete and make applications on behalf of their clients.
A good mortgage broker will take you through the mortgaging process from start to finish and work on your behalf with each party involved – sourcing and securing the best possible deal for your unique circumstances.
Although it’s not completely necessary to bring on a mortgage broker when looking to apply for or secure a mortgage, their expertise can often make the difference between acceptance and rejection. In fact, a good broker should be able to assist you across a number of services, including advice sessions, mortgage consultations, market searches, and application management.
To further the benefits, some mortgage brokers even offer their services at no extra cost! Here at Fees Free Mortgages, we’ll work to discover and pursue the best possible mortgage for your unique circumstances – handling the tricky thighs on your behalf, and leaving you more time to focus on what matters.
How much a mortgage brokers’ services cost ultimately comes down to their individual operations, and other factors such as how much you’d like to borrow and how complex your case is – meaning figures can vary widely between providers.
According to Trussle, the average mortgage broker’s fees sit at around £500 and can be charged in a number of ways, including fixed fees, hourly rates, and as a percentage of your final mortgage.
Fees Free Mortgages work on an entirely fees-free basis, meaning we don’t charge our clients anything for our services. Instead, we earn commission from the lender or bank chosen by you for your mortgage – but don’t worry, we’re whole of market and completely unbiased. We’ll genuinely work towards finding the best deal for your individual needs.
