Find the right mortgage deal — not just the lowest headline rate
The mortgage market has over 5,000 available products at any given time. The best deal for you depends on your deposit size, income structure, credit history, property type, and how long you want to fix for. A whole-of-market broker has access to deals that going direct to a lender won't find.
Tell us what you need — it takes 2 minutes →Free · No obligation · You decide whether to take it further
What brings most people here
- Not knowing if you qualify before applying and leaving credit footprints
- Fixed-rate products expiring with no plan for what comes next
- Self-employed income that high street lenders don't know how to assess
- New build, shared ownership, or leasehold complications
What a good match looks like
- Whole-of-market access — not tied to one lender's product range
- Decision in principle before a full application
- Self-employed and complex income specialists if you need them
- Protection against mortgage fraud and product misrepresentation
How it works
Tell us what you need
A short form covering your situation and requirements. Takes around 2 minutes. No account required.
We identify suitable specialists
We match your requirements against Mortgages specialists with relevant experience and verified client ratings.
Matched specialists review your requirements
Specialists who believe they can genuinely help will be in touch. You'll be able to see their ratings and completed jobs before deciding whether to proceed.
You decide — no pressure, no obligation
If a specialist looks right for you, you can progress through quote, contract, and payment — all in one place. If not, you're not committed to anything.
Why YouCompared is different
Matched on merit, not marketing spend
Specialists appear because they match your requirements and have the ratings to back it up — not because they paid to be at the top of a list.
Ratings from completed projects
Every rating on our platform comes from a job that was actually done. Not an anonymous review — a verified client, a real project.
One enquiry, not a data free-for-all
Your details go to specialists matched to your specific requirements — not broadcast to everyone on a list. You stay in control of who you engage with.
The process doesn't stop at the introduction
Quote, contract, payment, and review — managed in one place. We're involved through the whole project, not just the first contact.
Common questions about Mortgages
Should I use a mortgage broker or go direct to a lender?
A whole-of-market broker has access to deals across most lenders, including some products only available through intermediaries. They can match your specific circumstances to the right lender before applying — protecting your credit file from unnecessary searches. Going direct only makes sense if you've done the full market research yourself.
How much deposit do I need for a mortgage?
Most lenders require a minimum 5–10% deposit. Rates improve significantly at 25% and 40% loan-to-value thresholds. Shared ownership schemes and mortgage guarantee schemes allow purchases with 5% deposits. The deposit you need also depends on the property type — new builds, flats, and non-standard construction affect lender appetite.
Can I get a mortgage if I'm self-employed?
Yes, but your approach matters. Most lenders require 2–3 years of accounts or tax returns. They typically use your net profit or salary plus dividends, not turnover. Some lenders are more flexible than others for self-employed applicants, and knowing which ones before applying saves time and credit checks. A broker with self-employed experience is valuable here.
When should I start looking at remortgaging?
Ideally 3–6 months before your current deal expires. A mortgage offer is typically valid for 3–6 months, so you can secure a rate now and switch when your current deal ends — protecting yourself from rate rises without paying an early repayment charge. Rolling onto your lender's standard variable rate can add hundreds to your monthly payment.
Ready to find the right Mortgages specialist?
Tell us what you need. We do the matching. You decide whether to take it further.
Get started — it's free →