With more financial services moving online, many homebuyers and homeowners now ask whether it’s possible to get a mortgage online in the UK. From researching deals to submitting applications and speaking to advisers, much of the mortgage process can now be handled remotely. However, “getting a mortgage online” can mean different things in practice, so it’s worth understanding how the process really works.
How much of the mortgage process can be done online?
For most borrowers, the majority of the mortgage journey can now be completed online. This often includes checking affordability, completing application forms, uploading documents such as payslips, bank statements and ID, and receiving updates electronically. Many borrowers also speak to their mortgage adviser by phone or video rather than attending face-to-face meetings, meaning the process can often be managed remotely from start to finish.
Is the mortgage process fully automated?
Although much of the process is digital, mortgages are not fully automated. Lenders still carry out manual checks behind the scenes, reviewing income, outgoings and credit history before making a decision. Property valuations still need to be carried out, and legal work is handled separately by solicitors or conveyancers. These steps may be arranged online, but they still involve people rather than automated systems alone.
How do online mortgage brokers work?
Online mortgage brokers provide advice remotely using phone calls, video appointments and secure online systems. They compare mortgage options across multiple lenders, assess whether you are likely to meet specific criteria and manage the application on your behalf. Unlike comparison sites, online mortgage brokers offer personalised advice rather than simply displaying headline rates, helping borrowers understand which options are most suitable for their circumstances.
Is online mortgage advice suitable for everyone?
Online mortgage advice works well for many borrowers, including first-time buyers, home movers and people looking to remortgage. It can also suit those with more complex circumstances, such as self-employment or multiple income sources, provided the adviser has experience in those areas. Some people still prefer face-to-face meetings, but others value the flexibility of remote appointments that fit around work or family commitments.
Is it safe to get a mortgage online?
Using reputable online mortgage brokers and lenders is generally safe, as long as they are authorised to provide mortgage advice and use secure systems. Most established firms rely on encrypted portals for document uploads and follow strict data protection standards. As with any financial decision, it’s important to check who you are dealing with and avoid sharing sensitive information through unsecured channels.
What are the benefits of getting a mortgage online?
Arranging a mortgage online can offer several practical benefits. These often include greater flexibility around appointment times, faster document sharing, fewer delays caused by missed meetings and access to advisers nationwide rather than being limited to local firms. For many borrowers, this combination of convenience and professional support makes online mortgage advice an appealing option.
Do you still need a mortgage adviser?
Even with digital tools available, a mortgage adviser can still play an important role. Advisers help interpret lender criteria, identify potential issues early and guide borrowers through decisions that automated systems cannot make on their behalf. Online mortgage brokers combine this human support with modern technology, allowing borrowers to manage the process remotely while still receiving tailored advice.
Looking for online mortgage advice?
If you’re considering managing your mortgage remotely, our Best Online Mortgage Brokers guide highlights advisers who offer advice by video and online systems. The firms featured are selected for their ability to support borrowers nationwide while delivering clear, personalised guidance without the need for face-to-face meetings.
