Securing the right mortgage is one of the most significant financial decisions most people will ever make. Even a small difference in your interest rate can translate to thousands of pounds over the life of the loan. With rates changing frequently in response to Bank of England decisions, comparing the market before you apply is absolutely essential.
Your credit score plays a critical role in determining the mortgage rate you are offered. Lenders reserve their best rates for borrowers with the strongest credit profiles. Before approaching any lender, check your credit report across all three agencies to ensure there are no errors that could cost you a better rate.
Best Broker
#1 Habito
Online mortgage broker with whole-of-market access
★★★★★
- ✓Searches over 90 lenders
- ✓No broker fee for standard mortgages
- ✓Fully online application process
- ✓Dedicated mortgage expert assigned
- ✓Habito One fixed-for-life mortgage available
Habito has transformed the mortgage broker experience in the UK. Their whole-of-market search covers over 90 lenders, and the fully online process means you can get a mortgage in principle from your sofa. Their fee-free standard service makes them an excellent starting point.
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Best Digital Experience
#3 Mojo Mortgages
Smart online mortgage broker with rate alerts
★★★★★
- ✓Whole-of-market comparison
- ✓Rate change alerts when better deals appear
- ✓No broker fee
- ✓Quick online eligibility check
- ✓Specialist remortgage service
Mojo's rate alert system is a standout feature. Once you have secured a mortgage, Mojo will notify you when a better rate becomes available, ensuring you never miss an opportunity to save money. This is particularly valuable for those approaching the end of a fixed-rate deal.
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Best for Bad Credit
#4 Specialist Mortgage Broker
Access lenders who consider adverse credit histories
★★★★★
- ✓Specialist adverse credit lenders
- ✓CCJ and default mortgages available
- ✓Discharged bankruptcy mortgages
- ✓Higher deposits typically required
- ✓Independent whole-of-market advice
If you have a history of missed payments, defaults, or CCJs, mainstream lenders will likely decline your application. A specialist broker has access to a panel of lenders who specifically cater to adverse credit applicants. The rates will be higher, but homeownership remains achievable.
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Check Your Credit Score First
Before applying for any product, check your credit score to see which deals you are most likely to be accepted for.
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