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Guides

The broker world, translated

Short, honest guides to brokers, paperwork, timings and the bits nobody explains - written by people with no reason to oversell any of it. Read first, decide after.

Start here

Do I need a mortgage broker?

The honest answer, including the cases where you genuinely don’t, and the ones where a specialist changes everything.

Read the guide → Choosing well

How to choose a mortgage broker

Whole-of-market vs tied, the FCA register check, seven questions to ask, and the red flags that end the conversation.

Read the guide → Money, plainly

Broker fees explained

Lender commission, fixed fees, percentages, fee-free advice - who pays what, and how we make our money too.

Read the guide → Before you apply

Agreement in principle, explained

What an AIP proves, the soft-search question to ask first, and why it is not the same thing as a mortgage offer.

Read the guide → Before you look

How much can I borrow?

Income multiples, the affordability check behind them, and why two lenders can give the same person two different figures.

Read the guide → Get it right first time

Your document checklist

Every piece of paper a UK lender asks for, what each one proves, and how to have the whole file ready before anyone asks.

Read the guide → The timeline

How long does a mortgage take?

Realistic timings for every stage, what is happening behind the silence, and which delays you can actually do something about.

Read the guide → Decoder ring

Mortgage jargon, explained

LTV, ERC, SVR, proc fees, porting, product transfers. Every acronym you will meet, in plain English.

Read the guide → When it goes wrong

Declined? What happens next

Why lenders say no, what a decline really does to your credit file, and the one thing not to do straight afterwards.

Read the guide →
By situation

Guides to your kind of case

First-time buyersDeposits, affordability, and finding a specialist without the sales calls. RemortgagingFixed rate ending? Timing, product transfers, and beating the SVR drift. Buy-to-letRental cover tests, limited companies, first-time landlords. Self-employedSole traders, directors and contractors - read generously by the right lender. Credit historyBlips, defaults and CCJs - specialist help with no judgement and no credit check. Equity releaseLater-life lending, compared without the industry’s usual sales pressure. Secured loansSecond charge borrowing, and when a remortgage beats it. Bridging financeShort-term lending, exit strategies, and what is regulated. Just match meSkip the reading, describe your case anonymously and see who fits.

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IMPORTANT: Your home may be repossessed if you do not keep up repayments on your mortgage.

Broker Finder is a trading style of Collect Compare Ltd, an introducer - not a lender or mortgage broker. We do not provide financial advice and we may receive an introductory fee from the brokers on our panel. All brokers on our platform are authorised and regulated by the Financial Conduct Authority (FCA).