Fee-free, FCA regulated · Whole-of-market access · Updated May 2026
Using a mortgage broker rather than going direct to a lender typically gives you access to a wider range of deals — including exclusive rates not available on the high street. All brokers listed below are FCA regulated, fee-free, and search across 70–100+ lenders on your behalf.
| Broker | Broker fee | Lenders | Best for |
|---|---|---|---|
| L&C Mortgages | Free | 90+ | First-time buyers, remortgages |
| Habito | Free | 100+ | Online-first, tech-savvy buyers |
| Mojo Mortgages | Free | 70+ | Digital convenience |
| Trussle | Free | 60+ | Simple remortgages |
| John Charcol | £495–£699 | Whole of market | Complex cases, high-value |
London & Country is the UK's largest fee-free mortgage broker with over 25 years of experience. They offer both online and phone-based advice, making them accessible to all age groups. Strong for first-time buyers, home movers, and remortgages.
Habito is a fully online mortgage broker with access to over 100 lenders. Their digital-first approach makes the mortgage process fast and transparent — you can track your application in real time. Habito One (their own lender) offers longer fix terms.
Mojo is a digital mortgage broker part of the RVU Group (MoneySupermarket). They use technology to speed up the process and have human advisers available throughout. Good all-rounder for straightforward cases.
Trussle (part of NatWest Group) is an online mortgage broker focused on simplicity. Particularly strong for remortgages, with monitoring that alerts you when a better deal becomes available.
John Charcol is an independent, fee-charging broker with decades of experience in complex mortgages — high-value properties, unusual income structures (self-employed, contractors, multiple income sources), and non-standard properties. The fee is typically recovered many times over through better rates.
UKCalc may receive a commission if you apply for a mortgage through the links above. This does not affect our editorial independence or the rates and terms you are offered. All providers listed are FCA regulated. Always read the full terms before applying.
First-time buyer: L&C or Habito are the strongest choices — large lender panels, free advice, and experienced teams who work frequently with first-time buyer schemes including Shared Ownership and First Homes.
Remortgaging: Trussle's monitoring feature is useful, but L&C and Habito both have strong remortgage propositions with access to exclusive rates.
Self-employed or contractor: L&C and John Charcol both have strong experience with self-employed applicants. Many lenders require 2–3 years of accounts; a good broker knows which lenders are flexible on this.
High-value or complex property: John Charcol's fee is worth it on a £500k+ purchase where finding a 0.1% better rate saves thousands over the fix period.
Work out what you can afford before speaking to a broker.