We've been trusted by thousands of customers for mortgages since 2013.
The Independent review organisation Reviews.co.uk report that 100% of reviewers recommend Lending Expert
We’re mortgage experts. This means we know our stuff when it comes to all types of mortgages. We know where the best rates are and have access to exclusive deals just for Lending Expert customers.
We’re not tied to one lender which means we can search the wider market to find you the cheapest mortgages from across the UK.
Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.
If you have bad credit or have previously been refused a mortgage we can consider your application. Whatever your circumstances please get in touch and we'll do our best to help find you the perfect mortgage deal.
When the costs of buying a house or remortgaging are already very high, why should you consider adding to those costs by paying a broker to find you the best mortgage deal available for you? If you are under the impression that all a mortgage broker will do is a search of the available mortgages to find you the cheapest deal, then you are wrong, there are a whole list of additional things a broker will provide you with.
The first thing you should know is that by using a mortgage broker you are protecting yourself as your broker has a duty of care to ensure that you end up with the most relevant product for you and not just the cheapest one that they can find on the system. They have to be able to justify, not only to you, why they have recommended a particular mortgage and should you feel, and be able to show, that you haven’t received the best advice you are able to complain and receive compensation.
A mortgage broker has also trained in the selection of mortgage products and will have had to study the pros and cons of all of the different types of mortgage available, along with additional requirements often found in mortgage deals, and so will be in the best position to be able to advise you on your best options.
If you have ever approached a mortgage lender directly you are likely to have found yourself on the receiving end of a hard sell of their products rather than the fact finding mission you had intended. A mortgage broker will not usually have any affiliation with a particular lender and so will provide you with a balanced appraisal of all products. Not only will they provide you with the details of the mortgage, they will also be able to tell you about all of the specific criteria that a lender has in place for each of their mortgages. As and when you do decide to proceed with an application you may also find that your mortgage broker is able to chase it and potentially influence a lender in a way that you would not be able to as an independent applicant.
There are two ways in which a broker can be paid. They sometime charge a fee, which is usually a one-off fee that is paid upon a successful mortgage offer. This means you have access to the mortgage broker for advice and help throughout the application period. The other way is that they are paid commission by a lender when someone takes out one of their mortgages and there are no broker fees payable by you. With this type of payment, because you don’t pay the mortgage broker directly, you don’t get the ongoing support that you will get from paying a fee. All fees will be clearly stated in your Key Facts Illustration.
Compare from a wide range of mortgage offers online. Get expert advice from our FCA authorised mortgage brokers.
If you're a first time buyer we can help you make the right decisions. Get expert help from our mortgage advisors and compare the market.
Need a mortgage with a 10% deposit? Compare and search 90% mortgages onlines.
Need a mortgage with a 5% deposit? Compare and search 95% LTV mortgages onlines.
Compare fixed rate mortgages and get expert advice from our mortgage advisors.
Mortgage brokers can search the market and offer advice on which mortgage products suit your needs.
Get advice on the help to buy scheme and see which mortgages are available to you.
Want to buy your council house? Our mortgage advisors can help with right to buy mortgage products.
If you're a pensioner and need a mortgage or remortgage then we can help.
If you're self employed and wish to remortgage your home or take out a new mortgage we can help.
Want to build your own home? Our advisors can help with self build mortgages and can discuss what options are available.
If you're looking for a holiday let mortgage or brokers can help secure you a great deal.
Need a mortgage with the help from a guarantor. We can search and compare guarantor mortgages on the market.
Looking for a 100% mortgage deal. Let our advisors find you a great deal.
If you have bad credit and need a mortgage we can help. Solutions for most credit types.
Our brokers can quickly search and compare buy to let mortgage rates and deals to find you what you need.
Calculator your mortgage repayments, how much it will cost and interest payments.
Get expert advice on equity release mortgages for the over 55's.
Are you an expat and require a mortgage? We can search the market to find you the ideal lender.
Looking to protect your mortgage payments? Our life insurance experts can help.
Looking to release equity in your home? Our experts can help with lifetime mortgage options. FCA authorised advisors.
If you wish to take out a second charge mortgage our brokers can help. Get a quick quote and expert advice.
Find the perfect remortgage deal for debt consolidation purposes.
If you have bad credit you can still remortgage to a better mortgage rate.