Find a Mortgage Broker | Free UK Matching Service

25k+

FCA-regulated brokers

4.9★

Average adviser rating

100%

FCA-regulated advisers

2min

Average matching time

Why Nesto

Why use an independent Mortgage Broker?

Banks and building societies only show you their own products. An independent mortgage broker has access to the entire market — including exclusive deals you'll never find on a comparison website. They analyse your income, credit history, and outgoings to find a deal that actually fits your life, not just the one that pays them the highest commission. With property being the biggest purchase most people ever make, using a whole-of-market broker isn't just smart — it's essential.

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Whole of market

Access to 12,000+ mortgage products across all UK lenders, including exclusive broker-only deals unavailable directly.

✅

FCA regulated

Every adviser is fully authorised by the Financial Conduct Authority. You're protected by the Financial Ombudsman Service.

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Could save thousands

The right broker doesn't just find a lower rate — they structure your mortgage to minimise total interest paid.

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Faster approvals

Experienced brokers know exactly which lenders will approve your profile, cutting weeks off the process.

Mortgage Broker adviser helping a client — professional financial adviser

Every adviser matched by Nesto is independently FCA-authorised and regulated

Ready to find your perfect Mortgage Broker?

Free matching · No obligation · FCA regulated

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Real Reviews

What our customers say

★★★★★

"I'd been putting off finding a mortgage adviser for years. Nesto matched me in literally two minutes and the adviser they found was brilliant — saved me thousands."

Sarah M.

London · Mortgage Broker customer

★★★★★

"The adviser Nesto matched me with was incredibly knowledgeable and patient. He explained everything clearly and found me a deal I never would have found on my own."

James K.

Manchester · Mortgage Broker customer

★★★★★

"I was sceptical about using a matching service but Nesto was genuinely impressive. Free, fast, and the adviser they found was a total expert. Highly recommend."

Priya S.

Birmingham · Mortgage Broker customer

Simple Process

How Nesto works

Getting matched takes under 2 minutes. Here's the process:

Tell us what you need

Answer a few quick questions about your situation so we can understand exactly what kind of mortgage adviser you need.

Get matched instantly

Our matching engine connects you with the best-fit, FCA-regulated Mortgage Broker from our vetted adviser panel.

Get expert advice — free

Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.

It takes under 2 minutes. It costs nothing.

58,000+ people have already been matched

Start Now — It's Free →

Services

What a Mortgage Broker can help with

🏠

First-time buyers

Navigate the complexities of your first purchase with expert guidance from day one.

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Remortgaging

Switch to a better deal when your fixed rate ends — potentially saving hundreds per month.

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Moving home

Port your existing deal or find a better one for your new property.

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Self-employed

Specialist lenders for contractors, freelancers and business owners with complex income.

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Bad credit

Specialist brokers who know which lenders accept CCJs, defaults and missed payments.

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Buy-to-let

Maximise returns on investment properties with the right BTL mortgage structure.

Got Questions?

Frequently asked questions about Mortgage Brokers

Do I need a mortgage broker or can I go direct?

You can go direct, but you'll only see that lender's products. A whole-of-market broker searches thousands of deals and often finds rates unavailable direct. For most people, using a broker saves money and time.

How much does a mortgage broker cost?

Nesto's matching service is 100% free. Broker fees vary — many receive commission from the lender and charge you nothing. Others charge a flat fee (typically £300–£500). Your broker must disclose all fees upfront.

How quickly can I get a mortgage with a broker?

A mortgage in principle (MIP) can usually be obtained within 24–48 hours. Full mortgage offers typically take 2–4 weeks depending on the lender and your circumstances.

Will using a mortgage broker affect my credit score?

An initial broker consultation won't affect your score. A full mortgage application involves a hard credit search, but brokers submit to lenders they know will approve you — reducing unnecessary searches.

Can a broker help if I've been declined by my bank?

Yes. This is where brokers earn their fees. They know specialist lenders who consider applicants declined by high street banks — including those with complex income or credit issues.

What documents do I need for a mortgage broker?

Typically: 3 months' payslips or 2 years' accounts (self-employed), 3 months' bank statements, photo ID, proof of address, and details of any existing credit commitments.

How do I find a reliable mortgage broker near me?

Nesto matches you with qualified, FCA-regulated brokers based on your specific needs. All brokers on our panel are independently verified. You can also check credentials on the FCA register.

What's the difference between a mortgage broker and an adviser?

The terms are often used interchangeably. Brokers search for products; advisers provide regulated advice. Most offer both. Always confirm your broker is FCA-authorised and provides full advice, not just information.

Can a mortgage broker get me a mortgage if I'm self-employed?

Yes. Self-employed applicants need specialist advice — income assessment is more complex. Brokers who specialise in complex income can access lenders who use net profit, day rate, or SA302 figures.

How does a mortgage broker get paid?

Either through procuration fees from the lender (typically 0.35–0.4% of the mortgage), a fixed fee from you, or both. All remuneration must be disclosed before you apply.

Is a mortgage broker worth it for a remortgage?

Almost always yes. Remortgaging without a broker means you're likely to roll onto your lender's SVR. A broker finds better rates fast — the potential saving usually dwarfs any fee within months.

What happens if my mortgage application is refused?

A good broker will have anticipated this risk and avoided submitting to lenders unlikely to accept you. If refused, they'll review the reasons and recommend alternative lenders — without damaging your credit further.

What is a whole-of-market mortgage broker?

A whole-of-market broker has access to products from across the entire mortgage market — not just a panel of selected lenders. This means they can compare deals from banks, building societies, and specialist lenders to find the best fit for you, including exclusive deals not available direct to consumers.

Should I use a mortgage broker or go direct to a bank?

For most people, a broker wins every time. Going direct means you only see one lender's products. A broker searches hundreds of deals in minutes, knows which lenders accept your profile, and handles the entire application. The time saved and deals found typically far outweigh any broker fee.

Can I get a mortgage with a 5% deposit?

Yes — 95% LTV mortgages are available, particularly under the government's mortgage guarantee scheme. A specialist broker can identify which lenders currently offer 5% deposit products and whether you qualify based on your income, credit score, and property type.

Still have questions? Your matched adviser will answer them all — for free.

No obligation · FCA regulated · Takes 2 minutes

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📍 Find your nearest adviser

We cover every corner of the UK

Nesto matches people with mortgage brokers in over 886 towns and cities across the UK. Find a qualified adviser near you:

Covering 886 locations across the UK

Browse all locations

Ready to find your Mortgage Broker?

Answer a few quick questions and we'll match you with a qualified, FCA-regulated adviser suited to your exact situation — completely free, no obligation.

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⭐ 4.9/5 average rating · 25,000+ FCA-regulated advisers · No credit check