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FCA-regulated brokers search thousands of deals
First-time buyers, buy-to-let, adverse credit and more
Compare and choose with zero pressure
"As first-time buyers we had no idea where to start. Simply Save Money matched us with a brilliant broker who found us a rate we couldn't have found ourselves."
"After a CCJ a few years ago I thought we had no options. The broker was honest, non-judgmental and found us a competitive mortgage. Genuinely life-changing."
"My fixed rate was ending and I was about to roll onto the standard variable rate. The broker found me a deal that saved me £215 every single month."
Whether you're buying your first home, moving up the property ladder, investing in buy-to-let, or dealing with a complex credit history, the right mortgage at the right rate can save you thousands over the lifetime of your loan.
The types of mortgage we can help with:
First Home Purchase - Get on the property ladder with competitive first-time buyer rates
Moving Home - Upsize, downsize, or port your existing mortgage
Buy-to-Let Investment - Build your rental portfolio with specialist BTL products
Adverse Credit - Secure a mortgage even with CCJs, defaults or past arrears
Self-Employed - Lenders who understand complex and contractor income
Fixed Rate Ending - Switch before rolling onto an expensive standard variable rate
Equity Release via Remortgage - Release funds for home improvements or consolidation
Quick Decisions - Initial quotes within 24-48 hours, completions within 4-8 weeks
FCA-regulated brokers search thousands of deals including exclusive products unavailable directly.
Completely free to use. Compare, ask questions and only proceed when you're ready.
From first-time buyers to complex adverse credit cases and buy-to-let portfolios.
Your mortgage is likely your biggest financial commitment. Even a small improvement in your interest rate can save you tens of thousands of pounds over the full term.
The more you put down, the better the rates you'll access
Even minor blemishes can push you into higher-rate products
PAYE is viewed as lower risk than self-employed or variable income
Fixed vs. tracker rates suit different financial circumstances
Non-standard construction may limit lender options and rates
Longer terms lower monthly payments but increase total interest paid
Higher outgoings reduce how much lenders will offer
Every extra percent of deposit can unlock a significantly better rate tier
Check your report, correct errors and avoid new credit applications 3-6 months before applying
Rolling onto the SVR typically costs 1.5-2% more - start comparing 3-6 months before your deal ends
Access exclusive deals unavailable directly and compare thousands of products in one place
Most mortgages allow 10% overpayment per year - reducing your balance and improving your LTV at remortgage
A 25-year vs. 30-year term on £200,000 at 4.5% can mean paying over £30,000 more in total interest
Never accept your existing lender's renewal offer without comparing the full market first
Typically 4-5x your annual income, though deposit size, credit history, and employment type all affect this. A broker will give you an accurate figure based on your situation.
For residential mortgages, typically 5-25% (10%+ gives better rates). For buy-to-let, typically 25-40%. The larger your deposit, the better the rates available.
Yes. Our specialist brokers work with lenders who consider CCJs, defaults, arrears, IVAs and even recent bankruptcy. Options are available.
No. Our initial form uses no credit check. Brokers will always explain whether any subsequent checks are soft or hard searches before proceeding.
Typically 4-8 weeks from application to completion, depending on valuation, legal work, and documentation readiness.