An editorial census of FCA-authorised mortgage brokers in the United Kingdom, indexed by region and cross-referenced against the Financial Conduct Authority Register.
What this directory covers
- 5,754 firms verified against the Financial Conduct Authority Register at compilation.
- Indexed across 80 UK regions.
- No commission, no referrals, no recommendations. Listings are editorial, not advisory.
- Featured Partner positions are clearly labelled paid placements; the directory is independent.
The UK mortgage market in 2026
The UK mortgage broker market sits at a tense intersection in 2026. Bank of England base rate decisions through 2025 pushed average two-year fixed rates from a low of 4.41 per cent to a peak above 5.7 per cent, before settling near 4.92 per cent in May 2026. Borrowers facing remortgage have leaned heavily on intermediated advice, with broker-arranged mortgages accounting for roughly 86 per cent of new business according to UK Finance.
For consumers, the practical question is rarely whether to use a broker, but which type. Whole-of-market brokers have access to most lenders. Tied or panel brokers operate from a restricted list. Mortgage advisers within banks can only recommend their own employer’s products. Each is FCA-authorised; the distinction lies in scope of advice, not regulatory standing.
Where the UK’s 5,754 mortgage brokers are based
The Kaeltripton index covers 80 UK regions with two or more verified firms. Distribution skews heavily to London and the major regional financial centres; the table below shows the top ten markets by firm count.
Major markets
Other regional centres
+ Show 65 smaller regions (2,351 firms)
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This 250-word editorial-style sponsored insight slot is available to one approved partner per category. All content is editorial in style, clearly labelled, and subject to Kaeltripton’s editorial standards. To enquire: advertise with us.
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Compiled from public records
Every firm was identified from the Financial Conduct Authority Register and Companies House. No paid listings.
Register cross-checked
Each firm’s authorisation and permissions verified against the relevant public register at compilation.
Editorial firewall
No commission, no referrals, no lead routing. Featured Partner positions are clearly labelled.
When to use a broker versus going direct
Going direct to a single lender can suit borrowers with straightforward circumstances who already bank with a competitive lender. Brokers add value when the borrower has complex income, an adverse credit file, requires a specialist product, or wants to compare offers across the market without running multiple credit applications.
Fees, commission, and disclosure rules
FCA disclosure rules require brokers to tell borrowers upfront how they are paid. Three common structures: fee-free (broker paid by lender only), fee-only (borrower pays the broker, broker keeps no lender commission), and hybrid (borrower pays a fee plus broker takes commission). Each is legitimate; each must be disclosed in writing before any advice is given.
Independent UK mortgage analysis, monthly.
Independent UK mortgage analysis, delivered monthly. Rate movements, lender criteria changes, FCA enforcement updates, and editorial commentary on the UK mortgage market. Free, monthly, no broker referrals, no affiliate links.
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