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Your Mortgage Approval - Guaranteed

... or £100 cash back!* We know It's important you have complete confidence in our service, and trust that you’re getting the best service with the best chance of mortgage approval. We're so confident in our service, we guarantee it!

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No impact on your credit score

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Oma Guarantee

We guarantee to get your mortgage approved – or we’ll give you £100*

We can confidently guarantee that you’ll have the best chance of getting a mortgage using our five-star service. We will handpick the ideal mortgage broker for your needs and circumstances, so you can rest assured the right advisor is in your corner. 

We have so much faith in our service, because the advisors we’ve personally trained and vetted will only put you forward for a mortgage that you’re eligible for and can afford.

If we’re wrong, and you get a mortgage application declined from a broker we work with, we will pay you £100 in cash should somebody else manage to get you approved.*

*This guarantee is subject to you providing satisfactory documentation. See T&Cs.

By using our service, you will also get…

  • Checkbox Purple A bespoke, five-star service from a genuine whole-of-market broker (not all brokers are whole of market!)
  • Checkbox Purple Access to a wider range of mortgage deals
  • Checkbox Purple Advice from an expert in the exact area you need help with
  • Checkbox Purple Help optimising and safeguarding your credit report
  • Checkbox Purple Guidance through the application process from start to finish
  • Checkbox Purple Ongoing advice after you’ve secured your mortgage

We can personally vouch for the mortgage broker we match you with, since we’re notoriously selective about who we triage our customers to. We monitor their performance to make sure they’re maintaining our five-star standards and providing the level of service we insist upon.

A bit more about us

Online Mortgage Advisor is a free broker-matching service that has been introducing people like you to their perfect mortgage advisors since 2013.

We know that not all mortgage brokers are equal. They all have their own areas of expertise, from bad credit to first-time buyers, and to stand the best chance of mortgage success, you’ll need to find an advisor whose knowledge and experience lines up with your requirements.

This is where we come in. We’ve built up a vast network of trusted mortgage specialists to cover every corner of the market and have made it our mission to ensure our customers are paired with the expert who’s best placed to help them secure the finance they need.

We won’t charge a penny for introducing you to a broker and all of the brokers we work with must also agree to our fair-fee policy, which means they’ll refund any upfront costs if they fail to get a mortgage for an eligible customer.

We're so proud of our customers!

We love helping customers, especially ones that have found it hard to find the right deal elsewhere.

Cornwall, UK
I had saved for a deposit for what seemed like forever, but the bank I approached said my income simply didn’t stretch far enough. I found Online Mortgage Advisor’s website and was matched with Gareth. He found me a lender who would borrow 5.5 times salary and I finally got accepted.
Birmingham, UK
I applied for a mortgage with Halifax after seeing a great deal online, but straight away my application was declined. They told me it was due to my credit history but didn't give much more detail than that. I came to Online Mortgage Advisor and they matched me to my broker Riyad who was able to identify the issue and find me a lender willing to accept my application.

An award-winning formula

We know we offer a five-star service and the countless customers we’ve helped would agree, but it’s always nice to get formal recognition, too. Over the years, Online Mortgage Advisor has won several awards, including the coveted Trusted Service Award from Feefo and 2014 Start-Up of The Year from The Guardian newspaper.

Online Mortgage Advisor and the people behind it are regularly in the running for prestigious mortgage industry awards, too. In 2020, we were nominated for an accolade by What Mortgage Awards and Pete made the shortlist for the British Specialist Lending Awards. The following year, we were nominated for gongs at The British Mortgage Awards as well as What Mortgage Awards for a second year running.


Meet the team

We work with a network of mortgage brokers who have whole-of-market knowledge, niche expertise and a track record of delivering excellent customer service.


Contact us

Speak to one of the expert mortgage brokers we work with today by calling us on 0800 304 7880 or making an enquiry online. Then sit back and let us do all the hard work. We’ll match you with a broker with the right expertise for your circumstances. We could save you time and money! We don’t charge a fee and there’s no obligation or marks on your credit rating.

Ask Us A Question

If you want a bit more information or have a specific question about your mortgage application drop us a message, and an OMA Expert will be able to help!

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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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