Fee-Free Mortgage Advisor
YesCanDo Money is here to make getting a mortgage easy and stress-free. And the best part? We don’t charge for our services in 9 out of 10 cases, saving you money as well as hassle.
We work with over 90 Mortgage Lenders
Ask YesCanDo, a fee-free mortgage advisor
We’re a fee-free mortgage broker serving the whole of the UK. We’ll help you find the most competitive and suitable mortgage for your circumstances, and oversee the entire process, from completing the mortgage application to chasing mortgage lenders and solicitors. That leaves you free to focus on the exciting part: moving into your new home.
What does fee-free mortgage advice mean?
Moving home is expensive, with many costs to cover, like stamp duty and solicitors’ fees. Many mortgage brokers charge hundreds of pounds in fees. But YesCanDo is different. We don’t charge in 9 out of 10 cases; instead, our brokers receive a paid commission from the lender. So you can expect impartial, expert advice and full mortgage application support without paying us a penny.
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Why choose YesCanDo for mortgage advice?
Why choose YesCanDo for mortgage advice?
Fee-free
Friendly
Efficient
Impartial
Fast
Regulated
Get in touch with our experienced team of mortgage brokers to ask us a question.
Finding the right mortgage doesn’t have to be complicated - here's how it works
Buying a home can feel overwhelming, but the mortgage process doesn’t have to be. From speaking to an advisor and discovering how much you can borrow, to securing a Mortgage in Principle, applying, and finally completing your purchase; our step-by-step approach keeps things simple.
We’ll guide you through the whole journey, compare the best deals, and make sure you’re confident at every stage.
1. Speak to an advisor
Your friendly advisor will listen and explain your options. They will find the best deal for you based on your unique circumstances, and guide you through the mortgage process from start to finish – all without costly mortgage broker fees (in 9 out of 10 cases).
2. Discover how much you can borrow
Before you start house hunting, it’s essential to know what you can realistically afford. Please scroll down for our online mortgage calculator to help you get an idea. Your dedicated mortgage advisor will then calculate your borrowing potential in more detail, factoring in all the costs of moving, including stamp duty and legal fees. We’ll also ensure you consider your new household bills to ensure you can meet your new mortgage repayments.
Read more about how much you can borrow.
3. Choose the right type of mortgage
There are many mortgage options available, including fixed-rate, variable-rate and interest-only. The right choice depends on your circumstances, goals, and budget. Our advisors will guide you and compare the whole market to find the most suitable mortgage product with the most favourable interest rates.
Read more about different types of mortgages
4. Get a mortgage in principle (MIP)
A Mortgage in Principle confirms how much a lender is likely to let you borrow, based on your income, credit history, and outgoings. It shows estate agents you’re a serious buyer and helps narrow your property search. We can arrange your MIP within 24 hours, giving you the confidence to make offers quickly.
Learn more about how to get a mortgage in principle
5. Start house hunting
Use popular sites like Zoopla, Rightmove, and PrimeLocation to shortlist properties. Remember, your mortgage in principle is valid for 30–90 days, so you may need to renew it if your search takes longer.
6. Find a solicitor
Choose a solicitor as soon as you can, based on reviews, recommendations, and costs. Your lender may suggest one, but you’re free to pick your own. Ensure they are regulated by an appropriate body.
7. Apply for a mortgage
We will take care of the mortgage application on your behalf and let you know which documents you need to supply, such as payslips, bank statements, and proof of ID. Read more on applying for a mortgage.
8. Get a valuation
Your lender will arrange a valuation to confirm the property’s worth. If the valuation comes in lower than expected, you may need to renegotiate, find extra funds, or look at other lenders – but we’re here to support you if that happens.
9. Get your mortgage offer
If your application and valuation are approved, you’ll receive a formal mortgage offer, valid for 3–6 months. Your solicitor will carry out the necessary legal checks and confirm the completion date. This stage typically takes 2–6 weeks, and we will keep you fully updated.
While you are waiting to exchange contracts, ask us for protection advice, including life insurance and income protection.
10. Exchange and completion
Your buyer’s solicitor and yours will exchange signed contracts, making the sale legally binding. You’ll also agree on a completion date to collect your keys, usually 1-4 weeks after. Completion day is when your solicitor transfers funds to the seller and your mortgage lender releases the money. Time to start the next chapter in your new home!
Get an idea of how much you can borrow with our mortgage calculator
It’s very important to consider how much you can realistically afford to borrow. Use our mortgage calculator to get an idea, and once you’re confident you can afford to apply, talk to our mortgage advisors. They will give you a more accurate figure based on your individual circumstances before finding you the right mortgage deal.
Enter your sole or joint income below and see how much you can borrow.
For a more detailed and personalised mortgage affordability, book a free call with our expert mortgage advisers.
Best Mortgage Rates
As you study the mortgage rates table below, keep in mind that interest rates are affected by average property prices and other factors. With over 90 lenders and 14,000 mortgage products to choose from, it can be daunting finding your ideal rate – to ensure you secure it as easily as possible, reach out to YesCanDo Money’s experts for personalised assistance and fee-free advice!
Proudly Boasting a 5-Star Trustpilot Rating
Our clients’ satisfaction speaks volumes about our service quality. YesCanDo Money is proud to have earned a 5-star rating on Trustpilot, reflecting our dedication to providing top-notch, personalised mortgage advice and services. We take pride in our commitment to excellence, ensuring that every client receives the best possible guidance and support.
Worked with us before? Feel free to leave us a review on either Google or TrustPilot.
Frequently asked questions - fee-free mortgage advice
Are there any other costs to be aware of?
While YesCanDo doesn’t charge in most cases, you need to budget for:
- stamp duty
- solicitor’s fees
- mortgage
- arrangement fees
- valuation or survey fees
- removal costs
- estate agent fees (if selling)
- insurance
- setting up utilities
Why use a mortgage broker?
We compare the entire market, handle the paperwork, and guide you through the process, saving you time and hassle. And we do it for free in 9 out of 10 cases.
Do you offer advice to people with bad credit?
We offer bad credit mortgage advice to clients who have missed payments, defaults, or other credit issues, and have access to specialist lenders that can help even in complex cases.
Speak to us for free mortgage advice today
If you’re ready to move forward with your mortgage, we’re standing by to help. Contact us in whichever way suits you best – call us on 033 0088 4407, message us on WhatsApp or fill in the details on our contact form. One of our online mortgage brokers will be in touch as soon as possible to kick the process off.
