The Best Mortgage Brokers in London

There are hundreds of mortgage brokers in London, and their websites all say much the same thing. Trustpilot reviews are one of the few ways to compare them on something other than their own marketing, because the scores come from people who have already been through the process.

This page ranks London’s mortgage brokers three ways: by Trustpilot’s own category ranking, by which of them charge you nothing at all, and by which have collected the most customer reviews. Trustpilot scores and review counts change daily, so the figures below reflect the position on the review date shown above and the numbers on Trustpilot today may differ slightly.

London’s Best Mortgage Brokers at a Glance

The table below shows every broker covered on this page, with the two figures that matter most and what each one charges you for advice.

For context, Trustpilot puts the industry standard for the mortgage broker category at 4.1 out of 5, so every broker on this page sits comfortably above the typical firm in its own sector. The table also shows that a high TrustScore tells you nothing about the price. Four of the highest rated brokers charge you nothing at all, while others charge a percentage of the amount you borrow, which on a London-sized mortgage runs well into four figures.

The 10 Best Mortgage Brokers in London on Trustpilot

This list shows the ten best mortgage brokers in London, ranked based on Trustpilot’s criteria of TrustScore and review count. These brokers have consistently demonstrated exceptional service and reliability, actively collecting customer feedback and maintaining a high volume of positive reviews within the past year. Trustpilot only includes a company in this ranking if it actively asks its customers for reviews and has received at least 25 reviews in the last 12 months, so every broker below is still earning its score today rather than resting on old feedback. We have left out firms that appear in the category but are not mortgage brokers, such as financial planning firms, adviser directories, and commercial property finance advisories.

1) BVS Mortgages & Financial Services Ltd

• TrustScore: 5.0 | 3,133 Reviews
• Services: BVS Mortgages and Financial Services offers mortgage and protection advice across the UK from Churchill House in north London. Their advisers cover residential, self-employed, and commercial mortgages, alongside home and business insurance. BVS holds the highest TrustScore of any London broker with more than 3,000 reviews behind it, and is an appointed representative of The Openwork Partnership. They advertise a free first meeting, though they do not publish what they charge after that.

2) Sirius Finance

• TrustScore: 5.0 | 930 Reviews
• Services: Sirius Finance arranges mortgage and property finance for complex cases, high-net-worth individuals, and developers from their office on New Broad Street. They cover residential mortgages, buy-to-let mortgages, limited-company applications, and bridging finance. Their reviews regularly mention cases that other brokers had struggled to arrange, which is the pattern you would expect from a firm that leans towards complexity.

3) Habito

• TrustScore: 4.9 | 10,808 Reviews
• Services: Habito is an online mortgage broker that compares deals from a wide range of mortgage lenders and charges nothing for the advice. They handle first-time buyers, remortgages, and buy-to-let applications through their platform, and also arrange insurance and surveys. Habito was acquired by the bank Monzo in April 2026, and many of their customers now arrive through the Monzo app. No other London broker comes close to their review volume.

4) SPF Private Clients

• TrustScore: 4.9 | 1,782 Reviews
• Services: SPF Private Clients advises high-net-worth clients from Gracechurch Street on residential, buy-to-let, and commercial lending, with access to private banks alongside mainstream mortgage lenders. They also cover wealth planning and insurance. SPF employs over 200 people and has been part of the Howden group since 2022. They charge a fee, and the amount depends on the size and complexity of your case.

5) Anderson Harris

• TrustScore: 4.9 | 501 Reviews
• Services: Anderson Harris advises on residential and high-value mortgages from their Eccleston Square office, covering first-time buyers, self-employed clients, older borrowers, and specialist lending such as equity release and bridging finance. Reviewers frequently name the same advisers across several years, which suggests clients stay with the person rather than the firm.

6) Meet Margo

• TrustScore: 4.9 | 440 Reviews
• Services: Meet Margo is a digital brokerage at Merchant Square in Paddington covering mortgages, insurance, and wills, built around helping more women feel confident about buying a home. Their app gives access to a panel of more than 70 mortgage lenders. Residential mortgage advice is free, and they charge a fixed fee of £495 on buy-to-let and holiday let mortgages.

7) Trafalgar Square Financial Planning Consultants

• TrustScore: 4.9 | 88 Reviews
• Services: Trafalgar Square Financial Planning Consultants is an independent mortgage brokerage in Wandsworth, established in 1998, with access to the whole lender market. They are strongest on buy-to-let, houses in multiple occupation, portfolio landlords, and bridging finance, alongside residential and commercial mortgages, and were named Specialist Lending Firm of the Year 2025 by the Next Intelligence Mortgage Club. Their reviews are dominated by landlords who have used the same broker for years. Trafalgar Square charges a fee, payable on a successful application.

8) Moneysprite

• TrustScore: 5.0 | 1,034 Reviews
• Services: Moneysprite works from 100 Bishopsgate and covers residential, first-time buyer, buy-to-let, commercial, and bridging mortgages, alongside protection and investment advice. They operate UK wide and offer meetings at their offices, at your home, or at your workplace, which suits clients who would rather not handle everything by email.

9) Mojo Mortgages

• TrustScore: 4.8 | 10,249 Reviews
• Services: Mojo Mortgages compares deals across more than 70 mortgage lenders and charges nothing at any stage. They also monitor mortgage rates after your recommendation and get in touch if a better rate appears before you complete. Mojo is owned by the RVU group, which also owns Confused.com and Uswitch, and works from Copper Row near Tower Bridge.

10) Tembo

• TrustScore: 4.8 | 7,424 Reviews
• Services: Tembo works from Crucifix Lane and focuses on first-time buyers, families, and key workers. They specialise in joint borrower sole proprietor mortgages, family-assisted mortgages, and deposit-boosting schemes, which makes them worth a look if a parent or family member is helping you buy. Tembo charges a broker fee starting at £499, rising to £749 for more complex cases.

The Completely Fee-Free Mortgage Brokers Serving London

Four brokers serving London charge you nothing for mortgage advice at any stage, on any type of mortgage. They are paid a procuration fee by the mortgage lender instead.

This is a stricter test than it sounds. Plenty of brokers advertise a free first consultation and then charge once you apply, and others waive the fee on residential mortgages but charge on buy-to-let. Broker fees commonly run from a few hundred pounds to a percentage of the amount you borrow, so on a £400,000 London mortgage a percentage-based fee will cost you well over a thousand pounds that could have stayed in your deposit.

• 1) YesCanDo Money, 5.0 from 1,600+ reviews. A fee-free mortgage broker in London covering remortgages, first-time buyer mortgages, moving home mortgages, buy-to-let mortgages, self-employed mortgages, and visa mortgages, plus life insurance and income protection. Family-run and covering the whole of the UK, with the highest TrustScore of the four.
• 2) Habito, 4.9 from 10,808 reviews. Fee-free and whole-of-market, handling the application and paperwork online alongside insurance and surveys.
• 3) Mojo Mortgages, 4.8 from 10,249 reviews. No fee at any point, and Mojo tells you the amount of commission the mortgage lender pays before you proceed.
• 4) Better, 4.8 from 10,000+ reviews. Launched as Trussle in 2015 as the UK’s first fully digital mortgage broker, comparing over 100 mortgage lenders and charging no broker fee. Acquired by the property platform OneDome in 2025.

YesCanDo Money and Better serve London from offices elsewhere in the UK, so they do not appear in Trustpilot’s London category listing.

The 5 Most Reviewed Mortgage Brokers in London

These five have the highest number of Trustpilot reviews of any broker in Trustpilot’s London category, each holding a TrustScore of 4.5 or above. Volume matters because it shows a score has held up across thousands of separate cases rather than a small sample. Between them these five firms have collected more than 33,000 customer reviews.

1. Habito, 4.9 from 10,808 reviews. Fee-free and online, covering first-time buyers, remortgages, and buy-to-let.
2. Mojo Mortgages, 4.8 from 10,249 reviews. Fee-free, and monitors mortgage rates on your behalf after your recommendation.
3. Tembo, 4.8 from 7,424 reviews. Specialists in family-assisted and deposit-boosting arrangements, with fees from £499.
4. BVS Mortgages & Financial Services, 5.0 from 3,133 reviews. The highest TrustScore on this list, covering residential, self-employed, and commercial mortgages.
5. SPF Private Clients, 4.9 from 1,782 reviews. High-net-worth lending with access to private banks alongside mainstream mortgage lenders.

All five are described in full in the first list above.

How We Built These Lists

Every broker on this page comes from Trustpilot’s London mortgage broker category. Trustpilot lists brokers by registered office, so two national fee-free brokers that serve London, YesCanDo Money and Better, do not appear in that category and are marked as such where they are included. We have left out firms in the category that are not mortgage brokers, such as adviser directories and overpayment apps.

What to weigh up when choosing a mortgage adviser

1. Whether they know your situation. First-time buyers, contractors, landlords, and applicants with adverse credit each need a different set of mortgage lenders. Ask what proportion of their cases look like yours.
2. How you will communicate. Some brokers work by video call and WhatsApp, others by phone and email during office hours only. This matters when an estate agent wants a decision on a Saturday.
3. Their regulatory position. Every broker should be authorised by the Financial Conduct Authority, either directly or as an appointed representative of a network. You can check any firm on the FCA register.
4. Their reviews, read properly. Look past the score at what the negative reviews say and whether the firm replies to them. A broker who answers criticism openly usually handles problems the same way. Trustpilot also now shows an AI-written summary at the top of each company profile, drawn from that firm’s recent reviews, which is a quick way to see the themes in both the praise and the complaints.

The questions to put to a broker directly are in the next section.

How a Good Mortgage Broker Stops You Getting Declined

A good mortgage broker does not just find you a cheaper rate. The bigger job is getting your application approved first time, because a decline costs you far more than a slightly higher interest rate ever will.

What a decline actually costs you

If a mortgage lender turns you down after a full application, three things happen. The hard credit search stays on your file for other lenders to see. You go back to the start with a different lender, which usually adds three to six weeks. And if you are buying, that delay can put your purchase at risk, because the seller has no obligation to wait.

Why applications get declined

Most declines are not caused by anything being wrong with the applicant. They are caused by the application going to a mortgage lender whose criteria never fitted in the first place. The most common reasons we see are:

• Income treated differently by different mortgage lenders. Bonus, commission, overtime, and second jobs are all assessed differently depending on the lender. Some count the full amount, some count half, and some ignore it entirely. The same applicant can be offered noticeably different amounts by two lenders on the same day.
• Self-employed and contractor income. Some mortgage lenders want two or three years of accounts, others will work from one. Some use your latest year, others average the last two. Contractors on a day rate can be assessed on the day rate itself by some lenders and on their accounts by others.
• A recent job change or probation period. Several mortgage lenders will not lend during probation. Others will, and a few will consider you from your first day in a new role.
• Credit file problems. A satisfied default from four years ago and an unsatisfied one from last year are treated very differently. So is a missed mobile phone payment compared with a missed mortgage payment.
• The property itself. New-build flats, ex-local authority blocks, short leases, flats above commercial premises, and non-standard construction all narrow the list of mortgage lenders, sometimes sharply. This affects London buyers more than most.
• Multiple credit searches in a short period. Applying to several mortgage lenders yourself, or through a broker who is guessing, leaves a trail of hard searches that later lenders can see and can hold against you.

What a good broker does about it

An experienced mortgage adviser works out which mortgage lender fits your circumstances before anyone runs a credit search. That means checking your credit file first, understanding how each lender treats your particular income, and knowing which lenders will accept the property you are buying. Where there is doubt, a good broker will speak to the lender’s underwriters about your case before submitting anything.

The work continues after the application goes in. Your mortgage adviser chases the valuation, answers underwriter queries, keeps your solicitor and estate agent updated, and tells you when something needs your attention. Most of the delays in a purchase come from information sitting with someone who has not been chased, and that chasing is a large part of what you are getting.

How long a London mortgage offer actually takes

Most guides will not give you a number, so here is ours. Across 100 London mortgage applications that YesCanDo submitted between August 2025 and August 2026 and that went on to receive a mortgage offer, half were given a mortgage offer within 8 days of mortgage application being submitted, 74 within 14 days, and 91 within 30 days.

Product transfers, where you stay with your existing mortgage lender, are quicker by nature. Taking those out leaves 81 purchase and remortgage applications, and half of those were offered within 11 days.

The point is not the speed on its own. It is that an application submitted to a mortgage lender whose criteria already fit tends to move quickly, because there is nothing for an underwriter to argue with. The cases that take three or four weeks are usually the ones where something had to be explained, evidenced, or re-submitted. You can read more about our London mortgage brokers experience with getting a mortgage in London.

Questions worth asking before you choose

• Will you check my credit file before we apply anywhere?
• How many mortgage lenders can you access, and are any of them off limits to you?
• How is my income going to be assessed, and which lenders treat it most generously?
• What do you charge, when is it payable, and do I pay anything if the mortgage does not complete?
• Who will I be dealing with once the application has been submitted?

The last two matter more than most people expect. Some brokers charge on application rather than on completion, which means you can pay and still end up without a mortgage. And at some firms the adviser hands you to a processing team the moment the application goes in.

Frequently Asked Questions

Who is the number one mortgage broker in London?

BVS Mortgages & Financial Services tops Trustpilot’s London mortgage broker category, holding a TrustScore of 5.0 from 3,133 reviews. Trustpilot orders that category on TrustScore combined with review count, and only includes firms that actively ask for reviews and have collected at least 25 in the last 12 months. Habito has the most reviews of any London broker at 10,808, so the answer depends on whether you weigh the score or the volume of feedback more heavily.

Who is the biggest mortgage broker serving London?

London & Country Mortgages (L&C) is one of the UK’s largest and best-known mortgage brokers, holding a TrustScore of 4.6 from more than 18,000 Trustpilot reviews. Despite the name, L&C is based in Bath rather than London, and serves customers across the whole of the UK.

Which mortgage brokers in London are genuinely fee-free?

Four brokers serving London charge nothing for advice at any stage: YesCanDo Money, Habito, Mojo Mortgages, and Better. Be careful with the wording elsewhere, because a free initial consultation is not the same as a fee-free service, and some brokers waive the fee on residential mortgages but charge on buy-to-let.

Can a mortgage broker stop me being declined?

A broker cannot guarantee approval, but a good one substantially reduces the risk by checking your credit file and matching you to a mortgage lender whose criteria fit your circumstances before any application is submitted. Most declines happen because an application went to the wrong lender rather than because of anything wrong with the applicant.

How long does it take to get a mortgage offer in London?

Across 100 London mortgage applications that YesCanDo submitted between August 2025 and August 2026 and that went on to receive an offer, half were offered within 8 days of submission and 74 within 14 days. Purchase and remortgage cases take a little longer than product transfers, with half of those 81 applications offered within 11 days. Timescales vary by mortgage lender and by how straightforward your income and the property are.

Is it better to get a mortgage from a bank or broker UK?

A mortgage broker gives you a broader selection of mortgages from a range of mortgage lenders, which can lead to more favourable rates and terms than an individual bank offers on its own products. A bank can only tell you about its own mortgage range, and cannot tell you whether a different lender would lend you more.

Is it worth paying a mortgage broker in London?

Paying a specialist can be worthwhile if your case is complex, for example if you have adverse credit, borrow in a foreign currency, or need more than £1 million. Brokers who work in these areas know which mortgage lenders are likely to say yes, which can save you a failed application. For standard cases, several highly rated fee-free brokers cover the same ground, so paying a fee is a choice rather than a requirement.

Is it cheaper to use a mortgage broker?

Fee-free brokers cost you nothing for the advice and are paid a procuration fee by the mortgage lender instead. Broker fees among the London firms on this page range from a fixed £495 to a percentage of the amount borrowed, so on a £400,000 mortgage a percentage-based fee will cost you well over a thousand pounds. Ask when any fee is payable as well as how much it is, because a fee charged on application rather than on completion means you can pay and still end up without a mortgage.

YesCanDo Money, A Fee-Free Mortgage Broker Covering London

YesCanDo are a fee-free mortgage broker covering London and the rest of the UK, with over 25 years of experience matching clients to the mortgage lender that fits their circumstances, so speak to a mortgage broker covering London when you are ready to start. We believe in collaboration over competition, which is why we have listed other mortgage brokers who also work to high standards, each outstanding in their own way.

• A TREE PLANTED FOR EVERY MORTGAGE