Finding a mortgage broker usually involves checking authorisation, understanding how they work, and choosing a service style that suits you. Many borrowers use online directories, recommendations, or search by location or mortgage type to find a broker who matches their needs.
For many people in the UK, using a mortgage broker can make arranging or reviewing a mortgage clearer and more manageable. However, with thousands of advisers operating locally and nationally, knowing where to start can feel overwhelming. This guide explains practical ways to find a mortgage broker, what to look for, and how to narrow down your options without assuming one approach is right for everyone.
What Does a Mortgage Broker Do?
A mortgage broker, also known as a mortgage adviser, helps borrowers understand mortgage options and navigate the application process. This can include first-time buyer mortgages, home moves, remortgages, and buy-to-let applications.
A broker typically helps by:
- Understanding your circumstances and goals
- Explaining different mortgage types and terms
- Searching available mortgage deals
- Submitting and managing the application
- Supporting the process through to completion
Because brokers vary in experience, service style, and how they operate, finding the right one matters.
Start With an Online Search or Directory
One of the most common ways to find a mortgage broker is online.
Many borrowers begin by searching for terms such as “mortgage broker near me” or “mortgage adviser UK”. While this can produce many results, it does not always make comparison easy.
Using a dedicated mortgage broker directory can be a more structured approach. Directories allow you to search by location, mortgage type, or service style, helping you compare brokers in one place rather than visiting multiple websites.
Decide Between Local and National Brokers
When finding a mortgage broker, it helps to consider whether you prefer a local adviser or a national or online one.
Local brokers often build long-term relationships with clients and may offer face-to-face appointments. National and online brokers usually provide phone or video appointments and digital document handling, which suits borrowers who value flexibility and convenience.
Both options can work equally well. The choice often depends on how you prefer to communicate and manage paperwork rather than on which option is “better”.
Check That the Broker Is Authorised
All mortgage brokers providing regulated advice in the UK must be authorised by the Financial Conduct Authority (FCA).
Checking authorisation is an important step when finding a broker. It confirms that the adviser meets regulatory standards and follows rules around disclosure, professionalism, and consumer protection.
Authorisation details are usually available on a broker’s website or can be checked independently.
Look for Experience With Similar Situations
Not all mortgage applications are the same.
Some brokers regularly work with:
- First-time buyers
- Remortgages and product transfers
- Self-employed or contract workers
- Borrowers with variable income
- Buy-to-let landlords
When searching for a mortgage broker, it can help to look for advisers who regularly deal with situations similar to yours. This can make the process smoother and reduce delays.
Understand How Mortgage Brokers Are Paid
All residential mortgage brokers in the UK are paid a procuration fee by the lender when a mortgage completes. Some brokers also charge the customer an additional fee, while others do not.
When comparing brokers, it is helpful to understand:
- Whether a customer fee is charged
- How much the fee is
- When it is payable
- What service it covers
Clear explanations at an early stage can help you compare brokers more confidently.
Use Reviews and Recommendations
Reviews and recommendations can be a useful way to narrow down options.
Online reviews often highlight how clearly a broker communicates, how responsive they are, and how supported clients felt throughout the process. Personal recommendations from friends, family, or colleagues can also provide reassurance.
Reviews are most helpful when used alongside other checks, rather than as the only deciding factor.
Ask Initial Questions Before Committing
Many brokers offer an initial conversation without obligation.
This can be a good opportunity to ask:
- How they work and what their process looks like
- Whether they have experience with similar cases
- How they communicate and how often
- What fees apply, if any
These early conversations can help you decide whether a broker feels like a good fit.
Using a Guide to Compare Brokers
For borrowers who want a clear starting point, using a comparison-style guide can simplify the process.
Our Best Mortgage Brokers Guide brings together both local and national advisers in one place. It allows borrowers to explore different brokers, compare service styles, and find advisers based on location, expertise, and approach, rather than relying on guesswork.
Conclusion
Finding a mortgage broker does not need to be complicated. Starting with a clear idea of how you want to work, checking authorisation, understanding fees, and comparing a small number of advisers can make the process far more manageable.
Whether you choose a local broker or a national or online adviser, the right broker is one who communicates clearly, understands your situation, and supports you through each stage of the mortgage process.
