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Why Are Our Services Free?

A good question, especially since we’ve helped over 120,000 people find the right advice and didn’t charge them anything… not a single penny. When the advisor is paid, they pay us a share of whatever commission they make.

120,000+ customers

We've helped over 120,000 people (and counting!) get the right advice

Whole of market brokers

We only work with brokers who have access to the whole of market

Our service is Free

We don't charge a fee, your broker may charge once successful

No impact on credit score

Everyone only gets paid once you complete

It’s standard practice across the mortgage industry for lenders, insurers, and other providers, to pay a commission when products are successfully arranged. As each provider only pays on success (and in actual fact, many will clawback commission if products are withdrawn), it is always in the advisors’ interest to recommend the right products that are appropriate and affordable.

Advisors may also charge an advice fee depending on the nature and difficulty of your application and can only ever do so in agreement with our fair fee policy – there are no fees if they cannot get the mortgage they promise.

When the advisor is paid, they pay us a share of whatever commission they make.

Are there any exceptions to this? While a success-only business model is the norm for us, during times of exceptionally high demand, we occasionally work with carefully selected partners and charge them per referral. This ultimately makes Online Mortgage Advisor less money but enables us to maintain our five-star customer service standards throughout our busiest periods.

Why do we do it this way?

How we work sets us apart from many other companies who run a business geared around selling your enquiry for an upfront fee, or to the highest bidder, incentivised on volume and a disregard for quality service or positive outcomes.

With us, it’s totally different. We’re with you on every step of the journey, from your initial enquiry all the way through to getting your mortgage approved, completed. Why? Because we care!

Customers love us!

As a result, our customers are only referred to the most suitable advisor. We work tirelessly on recruitment, training, and management of specialist advisor firms, meticulously checking their customer feedback scores and numerous other Key Performance Indicators (KPIs) to ensure they deliver the best service and best outcomes for customers.

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Advisors love us!

We also create an incredible opportunity for specialist advisors, as we absorb all the expense of marketing, research, development, and distribution, allowing them to work with many grateful customers happy to work with them, with no upfront charge. We are proud to say that this has led to the growth of the specialist mortgage market and to the size and scale of many specialist advice firms across the UK, now working with over 40 firms and 150 advisors.

But aren’t all brokers the same?

In a word … ‘no’. There are almost as many different sorts of brokers, as there are mortgages. So there are:

All the brokers we work with have to complete the demanding 25 module Online Mortgage Advisor course and, as they say in the Bond movies, we do not tolerate failure. So if there’s one thing that sets the advisors we work with apart from the rest … it’s that they are geared up for success, which is good for you … and good for us.

Find your local broker

Although the advisors we work with can negotiate deals from anywhere in the country, we can also pair you up with one in your local area if that is your preference. We work with mortgage experts across the UK, in cities including LondonManchester, Liverpool, Edinburgh and many other locations.

Contact us today for the right advice

Speak to one of the experts today by calling us on 0808 189 2301 or make an enquiry here. 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 don’t charge a fee and there’s absolutely no obligation or marks on your credit rating.

We can help!

We know everyone's circumstances are different, that's why we work with expert mortgage brokers. Ask us a question and we'll get the best expert 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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