How We Selected the Above Online Mortgage Brokers

The brokers featured in this guide are selected based on quality of service, client feedback and their ability to deliver clear, effective mortgage advice remotely.

We also consider how easy it is to use their online systems, whether they offer proactive communication and how well they support borrowers throughout the mortgage journey, from initial enquiry to completion.

This guide is not exhaustive and many other excellent online mortgage brokers can be found on Mortgage Adviser Directory.

What Makes a Good Online Mortgage Broker?

A good online mortgage broker offers more than a digital application form. They provide clear advice, responsive communication and access to suitable mortgage products, while making the process easier to manage remotely.

The brokers featured in this guide are known for combining technology with personal support, ensuring borrowers still receive guidance tailored to their circumstances, even without in-person meetings.

How an Online Mortgage Broker Can Add Value

Online mortgage brokers can add value by streamlining the mortgage process and offering flexible access to advice. Many provide digital document uploads, online progress tracking and remote appointments, helping borrowers move quickly and stay informed.

For buyers with busy schedules or those who prefer managing things online, this approach can save time while still offering access to expert advice and a wide range of lenders.

Useful Mortgage Calculators

If you’re considering using an online mortgage broker, the calculators below can help you explore affordability, estimated repayments and how your deposit or equity may affect your options. They are designed to provide a helpful starting point only and do not take into account individual lender criteria or your full circumstances.

• Mortgage Affordability Calculator – Estimate how much you may be able to borrow based on income before speaking to an online broker

• Mortgage Payment Calculator – Explore potential monthly repayments across different loan amounts, terms or rates

• Loan-to-value Calculator – Understand how your deposit or equity position may influence available mortgage options

An online mortgage broker can review these figures with you remotely, explain how lenders are likely to assess your application and help you move forward efficiently using phone, video or online support.

Is an Online Mortgage Broker Right for You?

An online mortgage broker may be a good option if you:

• Prefer phone, video or online communication

• Want flexibility around appointment times

• Are comfortable managing documents digitally

• Are buying or remortgaging without needing face-to-face meetings

Some borrowers still prefer local, in-person advice, and an adviser can help you decide which approach suits you best.

What to Expect When Using an Online Mortgage Broker

Most online mortgage brokers begin with an initial discussion by phone or video to understand your circumstances. From there, they will review suitable mortgage options and guide you through the application process remotely.

Support is typically provided via secure portals, email and phone, with advisers keeping you updated as your application progresses.

How This Guide Should Be Used

This guide is part of our Best Adviser Guides, and is designed to help you shortlist and compare online mortgage brokers, not to suggest that one firm is right for everyone. Each broker offers a different balance of technology, advice style and support.

We recommend reviewing individual profiles and speaking to one or two brokers before deciding who you feel comfortable working with.

Who Should Use an Online Mortgage Broker?

An online mortgage broker can be particularly helpful if you:

• Want a faster, more flexible mortgage process

• Are comfortable using digital tools

• Need advice outside standard office hours

• Want nationwide broker access rather than local-only options

Even if you’re unsure whether online advice is right for you, speaking to a broker can help clarify your options.