One 20-minute call, a soft credit check that leaves no footprint, and a figure in writing that estate agents take seriously. Most people have theirs the same day.
You could borrow up to
£312,500
Example for a couple earning £68,000 a year between them.
A bank can only offer its own mortgages. We compare 94 lenders, including building societies and specialist lenders that only take applications through brokers, and rank them by what you would actually pay.
Your bankOne lender's deals
KeylightEvery lender, ranked by total cost
The names you know, compared on fees and cashback as well as the headline rate.
Often kinder to overtime, bonuses, smaller deposits and first homes.
For the self-employed, new contractors and anyone with a blip on their credit file.
From the first call to the front door: one adviser, four steps, and nothing you have to chase yourself.
Step 01
A 20-minute call and a soft credit check that leaves no footprint. You get a written borrowing figure, not a guess from an online calculator.
Step 02
We compare 94 lenders on what the mortgage costs over your fixed term, rate, fees and cashback together, and show you the three that fit.
Step 03
Payslips, bank statements, the valuation, the solicitor's questions: we collect them, check them and chase them so the offer arrives on time.
Step 04
On completion day you get the keys. Six months before your fixed rate ends, you get a call from the same adviser.
Lenders pay us a fee when your mortgage completes, and we tell you exactly how much, in writing, before you apply. Everything below is included.
A £495 fee applies only to complex cases, such as limited-company buy-to-let, and we agree it with you before any work starts.
Book a free callFour advisers, 61 years of mortgages between them, and a speciality each. No call centre and no hand-offs.
First-time buyers
Has walked more than 900 first-time buyers through their first offer.
Self-employed and contractors
Reads tax calculations and company accounts the way underwriters do.
Remortgages and later life
Twenty-two years of fixed rates ending, and not one client left on a standard rate.
Buy-to-let and landlords
Knows which lenders still take portfolio landlords and shared houses this quarter.
Three clients from this year, in their own words. Rated 4.9 out of 5 across 1,240 reviews.
“Our bank said £240,000. Hannah found a lender who would count Tom's overtime, and we offered on the house we actually wanted.”
Amira and Tom, Chapel Allerton
First home: £38,000 more than their bank's figure
“Two years of accounts and a letter from my accountant. Daniel knew which lender would read them properly the first time.”
Jess, Kirkstall
Self-employed: approved on her first application
“I'd have forgotten my fix ended in March. Raj rang in September with a new rate already held for me.”
Mei, Roundhay
Remortgage: £212 a month less than rolling onto the standard rate
Most people find out their deal has ended from a bigger direct debit. Our clients hear from us six months before, with the next rate already found.
You complete on a five-year fix. We put the end date in our diary, not only in yours.
Fixed at 4.29% for five yearsEnds 31 March 2031
Rates move. If yours could be beaten even after the early repayment charge, we tell you. If not, we leave you in peace.
Market check doneYour rate is still the better deal
We search the market again and reserve your next rate. If rates fall before you switch, we re-book the lower one.
3.94% for five years, reservedHeld until your switch date
The new deal starts the day the old one ends. Not a single month on the standard variable rate.
Standard variable rate avoided7.49% at most lenders this year
Same house, better deal
£1,286 a month
His bank's offer: £1,412
Tell us where you are: buying, moving, or with a deal about to end. We'll show you what you can borrow, what it will cost and which lenders will say yes.
£0no fee for most buyers, against up to £995 elsewhere
Calls from 8am to 8pm on weekdays, and 10 to 4 on Saturdays.
Or ask us yourself: 0113 000 0000
For most residential mortgages, no. The lender pays us a fee when your mortgage completes, usually 0.35% to 0.45% of the loan, and we tell you the exact amount in writing before you apply. Complex cases, such as limited-company buy-to-let, carry a £495 fee that we agree with you first.
No. We use a soft search to see your file the way a lender will, and it leaves no footprint that other lenders can see. A hard search happens only when you decide to apply.
Some lenders accept 5%, but 10% or 15% usually unlocks noticeably better rates. We show you the difference in pounds a month for your own numbers, so you can decide whether waiting to save more is worth it.
Yes. Most lenders want two years of accounts or tax calculations, and some accept one. Daniel works with contractors and company directors every week and knows which lenders read accounts sensibly.
An agreement in principle usually takes a day. Once your offer on a home is accepted, a full mortgage offer typically takes two to four weeks, depending on the lender and the valuation.
We call you six months before, compare the market again and reserve a new rate. If rates fall before your switch date, we re-book the lower one, so you never spend a month on the standard variable rate.
Book a free call and speak to an adviser today, or come and see us in Leeds. We'll tell you on the first call whether we can help.