Fees Free Mortgages

About Us

Independent, Fair, and Fees-Free Mortgage Advice from a Leading UK Mortgage Company

Hello, we’re Fees Free Mortgages. Our team of mortgage specialists and market experts are on a mission to make mortgages fairer, faster, and fees-free – for everyone.

We believe homeownership should be an attainable option for all – from self-employed directors to new buy-to-letters, and everyone in-between. That’s why we’re working to help prospective buyers across the UK understand the paperwork-packed, jargon-filled world of mortgages, and find the best possible deals for their requirements, all on their behalf.

Whether you’re looking to get on the property ladder, purchase your next home, re-mortgage, or just need advice, we’ll work to find you the perfect option, stress-free, hassle-free, and most importantly, fees-free.

From Humble Beginnings to a Leading UK Mortgage Company: Our Story

Since 2016, we’ve helped thousands of first time, self-employed, buy to let, let to buy, remortgaging, and even experienced buyers across the UK find their ideal mortgage at no additional cost. But where did it all begin?

Fees Free Mortgages was first established by current managing director, mortgage expert, and full-time dad, Martin Bright, in the small town of Manningtree, Essex.

After many years, and hundreds of successful applications, Martin has passed his initial ambitions and values on to our entire team of mortgage experts, financial advisors, administrators, and case managers. We keep things clear and simple, value clients over commission, and most importantly are, and always will be fees-free.

Now, the growing Fees Free Mortgages team help couples, families, individuals, investors and landlords from across the UK find their mortgage match every day. We’d love to help you too.

Meet the Team

Martin Bright

Mortgage and Protection Advisor

Martin is the proud director at Fees Free Mortgages and the Valley Financial Group. He’s been advising on mortgages and protection products since 2016 and has been directly authorised by the Financial Conduct Authority since 2018.

He loves helping first time buyers buy their first house, getting the best possible mortgage deals for homeowners, and, of course, protecting all aspects of personal finance with tailored protection plans. Over the years he’s been particularly honoured to receive lots of referrals from existing clients – but promises that no matter how busy he gets, he’ll always answer the phone and maintain the personal touch so important to his work. 

Outside of work, Martin is married with two delightful daughters who are ‘great fun’. Although he’s never played an instrument, he loves music and enjoys watching it live. He’s even been to some iconic American venues such as Red Rocks in Colorado, and The Gorge Amphitheatre in Washington State!

Karyn Lamont

Mortgage and Protection Administrator

Karyn joined the Fees Free Mortgages team in March 2021, becoming a vital member straight away. 

A skilled mortgage administration assistant, Karyn is here to help package and process your mortgage in full. You’ll hear from her as soon as you’ve had your mortgage agreed by Martin, at which point she’ll liaise with all parties in the mortgage process. She’s particularly excellent at achieving mortgage offers in good time – helping everyone from first time home buyers to experienced homeowners secure every element of their deal quickly and effectively. 

At weekends you may spot Karyn scooting around the Tendring Coast, or watching the fireworks in Clacton with her daughter.

Adelle Bright

Financial Protection Specialist

Financial protection specialist Adelle joins the team after finishing maternity leave in spring 2022. Prior to starting a family, Adelle worked as a Senior Practitioner within Children’s Social Services at Essex County Council. Adelle is your protection specialist; helping you protect your building, and its contents – ensuring that your mortgage, income and health are protected too. Outside of work, Adelle has two noisy daughters who keep her occupied, but in her rare free time, she enjoys being at the beach and dreaming of kayaking, paddle boarding, or surfing.

Jess Udall

Compliance and Quality Control Assistant

Jess joined the FFM team in Jan 2023 as our Compliance and Quality Control Assistant. It’s Jess’ responsibility to ensure that the information we obtain and the documentation we provide to banks is top quality. It’s also Jess’ role to ensure the suitability of advice is first class too. You probably won’t hear from Jess as she conducts her due diligence behind the scene but she’s an essential member of the team maintaining integrity in the business we transact.

Jess previously worked for the Ministry of Defence in London, bringing a wealth of analytical skills and professionalism to the team.

Outside of the office, Jess has crazy two-year-old twin boys who keep her busy most of the time but otherwise enjoys time with the family, watching movies and playing games too!

Lisa Gaunt

Compliance Assistance

Lisa is an absolute star who has been with Fees Free Mortgages since the beginning of time. Lisa has helped with various tasks over the years including creating job roles, producing important company documents and overseeing the financials of the business.

Lisa’s current role involves tracking and confirming the commission we receive from mortgage lenders and protection providers as well as reporting back to the team on the important figures for performance, for example; ensuring the average time between mortgage application submission and receiving the full mortgage offer is on target.

You may see Lisa out and about in the fields and footpaths in the beautiful Suffolk countryside with her dogs Kiwi and Ollie.

What Makes Fees Free Mortgages Different?

Mortgage companies, or ‘brokers’, can typically be split into two categories; tied or whole of market. Whilst tied advisors (e.g. those working for a bank) can only recommend products from their own selection, whole of market brokers like Fees Free Mortgages are able to access and analyse thousands of deals – unlocking the best on the market.

Discover More About What Makes Us Unique

Why Choose Us?

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!

100% 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.

Real People, Great Service

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.

Unbiased Advice

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.

Regulated and Accountable

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.

Dedicated Contact

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.

Nationwide Service

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.

How does Fees Free Work?

Whilst most mortgage brokers charge anywhere from hundreds to thousands for their services, Fees Free Mortgages, will never charge for mortgage advice, broking, switching or processing – whether you’re buying for the first, or fifth time.

Here’s how it works. We’re able to offer our services free because we’re paid by lenders for our brokerage in complete mortgages or remortgages – but aren’t tied to any specific bank or institution, meaning we’re still able to offer completely unbiased advice, and will always explore the entire market to find the best deal for you. Whilst we earn a small amount of commission – you make big savings.

We might offer great deals and low costs, but we’ll never compromise on customer satisfaction. Discover our 5-star reviews, or contact us to learn more about our range of mortgage services.

Sample Lenders

Don’t Take Our Word For It

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.

Rachael Parnell

First Time Buyer Mortgage


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.

Alex Prentice

First Time Buyer 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.

Daniel Percey

Free Mortgage Advice


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.

Michael John Vingerhoets

Self Employed Mortgage



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Property and Mortgage News

Our team of industry-leading advisors are ready to assist you in your mortgage journey. For expert fees-free mortgage advice, or to discuss any of our services, please contact us using the contact form below, or visit us in our flagship branch, or reach out to your local advisor.

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