Yes, many online mortgage brokers in the UK offer video appointments, alongside phone calls and secure online systems. Video meetings allow borrowers to speak directly with a qualified mortgage adviser face-to-face, without needing to visit an office. For many people, this combines the convenience of online advice with the reassurance of a personal conversation.
However, the availability and use of video appointments can vary between brokers, and they’re not always mandatory. This guide explains how video mortgage appointments work, when they’re typically offered, and whether they’re right for you.
How do video appointments with online mortgage brokers work?
A video appointment with an online mortgage broker usually takes place using platforms such as Zoom, Microsoft Teams or a secure in-house system. You’ll be sent a link in advance, allowing you to join the meeting from a computer, tablet or smartphone.
During the appointment, the adviser will talk through your circumstances, explain mortgage options and answer any questions you have. In many cases, screen sharing is used to review figures, compare products or explain how lender criteria may apply to you.
Video appointments are often used for initial fact-finding meetings, explaining mortgage options and recommendations, reviewing documents or next steps, and answering follow-up questions during the application process. Some brokers offer video as their default option, while others provide it as an alternative to phone appointments.
Are video appointments required when using an online mortgage broker?
No. Video appointments are usually optional, not compulsory.
Many borrowers are comfortable handling everything by phone or email, particularly if their circumstances are straightforward. Others prefer video calls because they feel more personal and easier to follow when discussing complex information.
Most online mortgage brokers allow you to choose how you communicate, offering a mix of phone appointments, video meetings, email and secure messaging. This flexibility is one of the main reasons borrowers choose online mortgage advice.
What are the benefits of video mortgage appointments?
Video appointments can offer several advantages over phone calls alone.
Seeing your adviser can make conversations feel more personal and engaging, especially if you’re new to the mortgage process. It also allows advisers to explain things visually, which can be helpful when reviewing figures, timelines or lender criteria.
Other benefits include no travel time or in-person meetings, easier scheduling around work or family commitments, clearer explanations through screen sharing, and a stronger personal connection than email or phone alone. For some borrowers, video appointments provide reassurance without sacrificing convenience.
Are video appointments suitable for first-time buyers?
Yes. First-time buyers often find video appointments particularly helpful, as there is usually more to explain.
Topics such as deposits, loan-to-value, mortgage terms and monthly repayments can be easier to understand when an adviser can talk through them visually. Being able to ask questions in real time, while seeing the adviser, can help build confidence during what is often a new and unfamiliar process.
That said, first-time buyers who prefer written explanations or phone calls can usually choose those options instead.
Do all online mortgage brokers offer video appointments?
Not all online mortgage brokers offer video appointments, and some may prefer phone-based advice. Others use video selectively, for example only at the initial advice stage.
If video appointments are important to you, it’s worth checking whether video meetings are offered as standard, which platforms are used, and whether appointments are available outside normal working hours. A good online broker will be clear about how they communicate and allow you to choose what works best for you.
Is mortgage advice given over video regulated?
Yes. Mortgage advice provided via video is regulated in the same way as advice given in person or over the phone.
The delivery method does not change the adviser’s obligations. Advisers must still assess suitability, explain recommendations clearly and act in your best interests, regardless of whether the conversation takes place face-to-face, by phone or over video. You should expect the same standards of professionalism and care.
Can video appointments handle complex mortgage cases?
Video appointments can be used for both straightforward and more complex cases, including self-employed applicants, borrowers with multiple income sources, remortgages involving additional borrowing, and credit history concerns.
In some situations, advisers may supplement video calls with additional phone conversations or written explanations. The key advantage is that you can still access specialist advice remotely, without needing to attend in person.
Video appointments vs face-to-face meetings
For many borrowers, video appointments offer a practical middle ground. You get the benefits of seeing and speaking to an adviser, without the inconvenience of travel or limited office hours.
However, some people still prefer face-to-face meetings, particularly for complex or sensitive decisions. Others find video appointments less comfortable and opt for phone or email instead. The best online mortgage brokers recognise that there is no one-size-fits-all approach and offer multiple ways to communicate.
How to choose an online mortgage broker that offers video appointments
If video meetings matter to you, look for brokers who clearly mention video or virtual appointments on their website, offer flexible appointment times, use secure and reliable platforms, and allow you to switch between video, phone and email.
Choosing a broker who matches your communication preferences can make the mortgage process smoother and more comfortable.
Looking for online mortgage brokers offering flexible appointments?
If you’d like to compare advisers who offer advice by phone, video and online systems, our Best Online Mortgage Brokers guide highlights firms selected for their ability to support borrowers remotely with clear, personalised mortgage advice.
