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Mortgage Broker Exeter

One of the most-reviewed fee-free mortgage brokers used by Exeter buyers and remortgagers.

From Exeter city centre to areas like St Leonards, Heavitree and Topsham, we help buyers, homeowners and landlords across EX1 and EX2 with clear, fee-free mortgage advice. Whether you’re buying your first home, moving or looking to remortgage, we compare mortgage lenders across the market to find a deal that fits your situation.

5★ Trustpilot | Whole-of-market | Rates the same or better than going direct to the bank.

100% Free Service

Whole of Market Advice

We Do All The Paperwork

Free Mortgage Broker in Exeter

We hear this question more than almost any other. If there’s genuinely no fee, what’s the catch? There isn’t one.

You won’t be charged for the mortgage advice, the application work or any of the back and forth that goes on in between. When a mortgage completes, the mortgage lender pays the broker a fee. That’s how the industry is structured. Some firms then invoice their clients on top of that. We don’t. And the lender paying us makes no difference whatsoever to the rate or deal we find for you.

Hi, we’re YesCanDo Money

At YesCanDo Money, we keep mortgage advice straightforward and practical. Mortgage rates move and lender criteria shifts, sometimes quickly. What worked for someone buying in Exeter a few months ago might not apply today, so we look carefully at the property, the borrowing and how lenders are assessing cases right now.

Exeter has a mix of housing that mortgage lenders treat differently. Modern estates on the city’s fringes are usually the most straightforward to place. Period properties in St Leonards, converted flats in the city centre, waterside homes in Topsham and properties in surrounding villages can all bring additional scrutiny around construction type, flood risk, lease details or location. Before submitting anything, we make sure the property and borrowing fit the lender’s criteria properly.

You won’t pay us a fee. All mortgage brokers are paid by mortgage lenders when a mortgage completes. Some firms charge clients on top. We choose not to.

When you’re ready, we handle the mortgage application, the paperwork and the lender contact so the process keeps moving. If you’re moving home, we can also compare porting your current mortgage with switching lender so you can see the real difference.

You focus on the property. We’ll deal with the mortgage.

Trusted mortgage advice in Exeter

We’re a mortgage broker used by customers across Devon and the surrounding areas. You can read our independent reviews from people we’ve arranged mortgages for, which gives a good sense of how we work.

We compare around 14,000 mortgage products from more than 99 mortgage lenders, covering high street banks as well as specialist lenders. In Devon, where coastal properties, thatched cottages, cob wall farmhouses and properties with agricultural ties can all affect lender choice, that breadth becomes particularly important. Whether it’s income structure, credit history or the way a specific property is assessed, having options across the market makes a real difference.

With access to over 99 mortgage lenders, we’re not limited to the criteria or products of any single bank.

We work with over 99 Mortgage Lenders

Why Choose YesCanDo Money for your Exeter Mortgage?

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At YesCanDo Money, we’re a fee-free mortgage broker working in Exeter and across Devon. We compare high street banks and more than 99 mortgage lenders, matching each case to the criteria that fit rather than pushing it through one bank’s rules.

We handle the mortgage application, the lender contact and the back and forth that tends to slow things down. From your first enquiry through to mortgage offer, you have a real adviser managing the process, so you’re not left trying to make sense of lender questions or paperwork on your own.

What you can expect from us

Choosing the right mortgage broker makes a difference to how the whole thing feels. People in Exeter and across Devon often mention the same things when they talk about working with us, so here’s a sense of what you can expect.

Access to over 99 mortgage lenders

We work with high street lenders such as Halifax, Nationwide, Barclays and NatWest alongside specialist lenders who only work through brokers. Some deals simply aren’t available if you go directly to a bank, and in Devon that access can make a real difference.

Clear, straightforward advice

Before anything is submitted, we explain how a mortgage lender is likely to view your application and what’s genuinely achievable. No jargon, no vague answers, just a clear picture of what’s realistic for your situation.

We handle the paperwork

There’s more admin in a mortgage than most people expect. We complete the forms, respond to lender requests and keep the process moving so you’re not left chasing paperwork or trying to decode lender correspondence.

Matching you with the right lender

Different lenders assess income and property in different ways. We do the work upfront to find where your application fits best, which reduces the risk of delays, unexpected queries or a decline further down the line.

Updates as things progress

We keep you informed at every stage so you always know where things stand. If a decision has been made or something needs your input, you’ll hear from us straight away rather than having to ask.

Flexible appointments

We work around your schedule with phone calls, online meetings or WhatsApp, whichever suits you best. Most clients never need to meet us face to face and it makes no difference to the service they receive.

What Our Exeter Clients Say About Us

Our reputation matters to us at YesCanDo Money. Hundreds of clients have taken the time to leave five-star reviews on Trustpilot and we’re ranked among the top 10 mortgage brokers in the UK. That doesn’t happen by accident. It comes from taking every case seriously and making sure every client feels looked after from the very first conversation right through to completion.

Worked with us before? Feel free to leave us a review on either Google or TrustPilot.

Our Exeter Mortgage Services

At YesCanDo Money, we help buyers, homeowners and landlords across Devon with clear, fee-free mortgage advice. Whether you’re buying a coastal property, a rural farmhouse or a modern family home, we focus on finding what genuinely fits both the property and your circumstances.

First-time Buyer Mortgages Exeter

Getting your first mortgage in Devon can feel like a lot to take in. We break it down, explain what lenders are actually looking for and handle everything from the initial research through to the mortgage offer landing in your inbox.

Remortgage Services in Exeter

If your current deal is ending or you just want to know if you’re on the right rate, we search across 99+ lenders and handle the switch. It costs you nothing and takes the legwork off your plate entirely.

Moving Home Mortgages in Exeter

Moving home often means deciding whether to port your existing mortgage or switch to something new. We compare both options across the market and manage the application so you’re not juggling the mortgage on top of everything else a move involves.

Buy-to-let mortgages Exeter

Devon’s rental market is strong, particularly in coastal areas and around Exeter. Rental income, lender criteria and application structure all need to be right from the start, and that’s exactly what we focus on.

Mortgage Protection Services Exeter

A mortgage is a long term commitment and a lot can change. We advise on life cover, critical illness cover and income protection so that if something unexpected happens, your home and finances aren’t left exposed.

Our Exeter Mortgage Case Studies

Our team goes above and beyond for our customers. Below are some examples of real situations on how we helped people get a mortgage in Exeter

Case Study 1 – First-Time Buyers in Heavitree, Exeter

The situation

A couple had an offer accepted on a two-bedroom Victorian terrace in Heavitree for £285,000. They had a £25,000 deposit saved and were buying their first home in Exeter, drawn by the area’s good transport links and strong community feel.

The challenge

The property was a mid-terrace Victorian house that had been converted into two flats at some point, then converted back to a single dwelling. Some mortgage lenders flagged the previous conversion on the title deeds and raised questions around planning consent and building condition.

What we did

We reviewed the title details and planning history and identified mortgage lenders comfortable with the property’s history and current use as a single dwelling. We placed the mortgage application with a lender whose criteria fitted the property profile and submitted with a clear explanation of the conversion history and current condition.

The outcome

The mortgage offer was issued and the couple completed on their first Exeter home without further complications. They paid no broker fee for the advice or the application work.

Case Study 2 – Moving to Topsham from Exeter City Centre

The situation

A professional couple were selling their city centre apartment for £235,000 and buying a three-bedroom period property in Topsham for £520,000. After repaying their existing mortgage they had around £140,000 equity to carry forward.

The challenge

The Topsham property sat within a flood risk zone, which some mortgage lenders flag for additional conditions around insurance and lending criteria. The borrowing required also pushed towards the upper end of standard income multiples, which further narrowed the field of suitable lenders.

What we did

We identified mortgage lenders comfortable with the flood risk position and reviewed affordability across those lenders to find one prepared to lend at the required income multiple. We structured the mortgage application clearly and confirmed the flood insurance position before submitting to avoid any conditions arising later in the process.

The outcome

The mortgage offer came through within two weeks and the couple completed the move to Topsham on a five-year fixed rate that kept monthly payments within their planned budget. They paid nothing for the broker advice or the application work.

Case Study 3 – Remortgage in St Leonards, Exeter

The situation

A homeowner in St Leonards contacted us as their fixed rate was coming to an end. Their period terrace was valued at around £420,000 with an outstanding mortgage balance of approximately £230,000.

The challenge

Their existing lender had offered a product transfer but the rate was higher than expected given the loan-to-value position. They were also self-employed with two years of accounts and were unsure whether switching lenders would be straightforward given their income structure.

What we did

We reviewed the self-employed income in detail and identified mortgage lenders comfortable with the income structure at the required loan-to-value. We compared the product transfer against remortgage options across the wider market and found a lender offering a lower five-year fixed rate who covered standard legal costs as part of the package.

The outcome

The remortgage completed before the existing deal expired, reducing monthly payments compared to the product transfer offer. The homeowner paid nothing for the broker advice or mortgage application work.

Local mortgage advice about Exeter

Buying property in Exeter can vary more than people expect. As Devon’s county city, Exeter has a genuinely diverse housing market, from period terraces and Victorian villas in St Leonards and Heavitree to modern apartments near the city centre, new build estates on the expanding southern and eastern fringes and more rural properties in the villages that surround the city.

St Leonards and Heavitree are among the most consistently sought-after residential areas, with period properties and well-maintained terraces attracting strong demand and higher price points. Topsham, sitting just outside the city on the Exe Estuary, has developed its own premium market driven by its village character, independent shops and waterside appeal. Areas like Pinhoe and Sowton to the east and Alphington to the south west offer more accessible prices with newer development. The Cathedral Quarter attracts buyers looking for city centre living close to Exeter’s historic core.

That mix can affect how a mortgage lender assesses a property.

Period properties and Victorian terraces in St Leonards and Heavitree can raise questions around construction type, converted flats and lease length. Properties close to the Exe Estuary in Topsham can bring flood risk considerations into the conversation. New builds on the city’s expanding fringes can come with developer incentives that affect the loan-to-value position. Converted flats and apartments in the city centre can raise questions around lease length, building structure and service charges.

Prices in Exeter reflect its status as one of the most desirable cities in the south west. One-bedroom flats typically start from around £170,000 to £210,000, while family homes in popular areas like St Leonards commonly sit between £350,000 and £550,000. Properties in Topsham or larger homes in the surrounding villages can go considerably higher. Many mortgage lenders cap borrowing at around 4.5 times income, although some will stretch further depending on profile and employment type.

Exeter’s fast rail links into London Paddington, its thriving university, growing tech sector and reputation as one of the most liveable cities in England continue to drive strong and consistent demand from buyers across the region and beyond.

Knowing Exeter helps. Knowing which mortgage lender will accept the property and borrowing structure is what really makes the difference.

Frequently Asked Questions

Do I pay a fee for mortgage advice in Exeter?

>No. Our mortgage advice and application service is completely fee-free. We're paid by the mortgage lender when your mortgage completes, which is how most brokers are funded. Some firms charge their clients on top of that. We don't, and it makes no difference to the rate or deal we find for you.

Can you help with mortgages for period properties and Victorian terraces in Exeter?

Yes. Period properties in areas like St Leonards and Heavitree can sometimes raise questions with mortgage lenders around construction type, conversion history or building condition. We check which lenders are comfortable with the specific property before submitting anything, which avoids delays and unnecessary declines.

Can you help with properties in flood risk areas around Exeter?

Yes. Some parts of Exeter and the surrounding areas, particularly around the Exe Estuary and Topsham, can fall within flood risk zones. Some mortgage lenders are more cautious about this than others. We check the flood risk position and identify lenders comfortable with the property's location before submitting anything so there are no surprises later in the process.

Can you help get me a mortgage if I'm self-employed in Exeter?

Yes. Self-employed income is assessed differently by different mortgage lenders and some are more flexible than others around trading history and how income is calculated. We look at the full picture including accounts, tax returns and income structure and place the mortgage application with lenders whose criteria fit your situation.

Do I need to use a mortgage broker based in Exeter?

No. You don't need a local broker to get good mortgage advice in Exeter. We're based in Portsmouth but help buyers and homeowners across Devon remotely, with everything handled by phone, email and WhatsApp. Most of our clients never need to meet us in person and it makes no difference to the quality of the advice or the mortgage application.

Ready to start your mortgage process? Contact us

If you’re buying or remortgaging in Exeter the starting point is a conversation. We talk it through, look at what’s realistic, and explain the options before anything moves forward. There’s no charge for that initial discussion. If it makes sense to proceed, we handle the application and the lender side through to offer.

What’s next?

1. We talk it through

We start with a short call to understand your situation and what you’re looking to achieve. Income, deposit, the property and anything that might affect mortgage lender choice, including any coastal, rural or non-standard elements common in Devon. From there, we give you a clear picture of what’s realistic.

2. We find and secure the deal

We search across the market, including mortgage lenders you can’t reach by going direct. Once you’re happy with the recommendation, we secure the rate, arrange an agreement in principle and submit the full mortgage application.

3. We see it through to completion

When the mortgage lender is satisfied, they issue the formal mortgage offer. We stay involved right through to completion, and if a better rate becomes available before that point we’ll look at whether switching makes sense.

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Local mortgage expertise in Exeter

Exeter is one of the south west’s most consistently popular cities to buy in, and its property market reflects that appeal. Period terraces, city centre apartments, waterside homes in Topsham and new build estates on the fringes all sit within a few miles of each other, and mortgage lenders don’t assess them all the same way.

We work with buyers and homeowners across Exeter, placing mortgage applications with lenders whose criteria genuinely fit both the property and the income involved. A converted flat near the Cathedral Quarter is a completely different conversation to a new build in Pinhoe or a period villa in St Leonards.

We’re a family-run mortgage broker, not a call centre. You deal with a real adviser throughout, someone who takes the time to understand your situation and works out the best route forward before any paperwork is started.

We also think ahead. Exeter property holds its value well and demand stays strong. If you’re planning to move up the ladder, let the property out later or expect your income to change, getting the right mortgage structure in place now makes those future plans considerably simpler.

It’s not just about the rate. It’s about placing your mortgage with the right lender from the beginning.

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