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A mortgage broker searches the whole market on your behalf to find the mortgage best suited to your circumstances. In 2026, with thousands of products available from hundreds of lenders — many with exclusive deals only available through brokers — using a qualified broker is often the difference between an average deal and the best available deal.
Where to find a verified mortgage broker UK
The Kaeltripton Financial Index lists over 106 mortgage broker firms verified against Companies House and the FCA register. Search by location and specialism to find a broker appropriate for your mortgage type.
What to check before using a mortgage broker
Verify FCA authorisation at register.fca.org.uk. Check their CeMAP qualification (minimum requirement) or whether they hold higher qualifications. Review client testimonials. Ask whether they are whole-of-market or restricted to a panel of lenders — whole-of-market brokers access more deals.
Is your firm in the Kaeltripton Financial Index?
118,000+ UK financial firms already indexed. Enhanced listings from £99/month — no contract, no per-enquiry fees.
Index Your Firm TodayHow mortgage broker fees work
Mortgage brokers are paid in one of three ways: a procuration fee from the lender (typically 0.3-0.5% of the loan), a fee charged to you (£300-1,500 typically), or a combination of both. Fee-free brokers take the proc fee from the lender. Always ask how your broker is paid before proceeding.
Specialist vs general mortgage brokers
A whole-of-market generalist is suitable for straightforward cases. For complex situations — self-employed, adverse credit, large portfolio buy-to-let, complex income — a specialist broker with specific experience in your situation will typically achieve better results.
Related guides
Frequently asked questions
Do I need to pay a mortgage broker UK?
Many whole-of-market brokers are fee-free, earning a procuration fee from the lender. Others charge a flat fee of £300-1,500. Fee-free does not mean poor service — many excellent brokers operate this way.
How do I know if a mortgage broker is regulated?
Check the FCA register at register.fca.org.uk. All legitimate mortgage brokers must be FCA-authorised to provide mortgage advice in the UK.
Can a mortgage broker get me a better deal than going direct?
Usually yes. Brokers access exclusive products unavailable direct, can place complex cases with specialist lenders, and handle the paperwork — saving time and often money.
This article is for informational purposes only and does not constitute financial advice. Always verify regulatory status with official sources before making any financial decision.
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