How we choose your broker
The brokers we introduce you to are authorised and regulated by the Financial Conduct Authority and have whole-of-market or broad-panel access, so your case can reach the right lender. The introduction is free to you and there is no obligation: you can speak to the broker and decide in your own time. The broker may charge a fee or be paid commission by the lender, and must tell you before you commit.
Regulated, and verifiable
We only introduce you to a mortgage broker that is authorised and regulated by the Financial Conduct Authority, or an appointed representative of an authorised firm. We tell you who the firm is as part of the introduction, and you can check them yourself on the FCA Register in a couple of minutes. If you want to do that first, our guide to how to find a mortgage broker walks through the exact steps.
Whole-of-market, so the right lender is reachable
We favour brokers with whole-of-market or broad-panel access. That matters because the same case is often accepted by one lender and declined by another, so being limited to a single lender or a narrow panel can mean missing the lender that would say yes. For self-employed, complex-income and adverse-credit cases in particular, reach is what turns a no into a yes.
No obligation, and free to you
Being introduced is not a commitment. You can talk to the broker, take away what you learn, and decide in your own time, or not proceed at all. We do not charge you for the introduction. The broker may charge a fee for their advice or be paid commission by the lender, and they will tell you which before you commit. We never pretend the whole process is free.
Honest about how we are funded
We may receive an introduction fee from the broker. It never increases the rate or fee you are offered. We tell you because you should understand our incentive. This is information, not advice: the regulated advice always comes from the broker, under FCA rules, not from us. For the mechanics of the handover, see how we introduce you.
Get matched with a regulated broker →
Common questions
Are the brokers you introduce FCA-authorised?
Yes. We only introduce you to a mortgage broker that is authorised and regulated by the Financial Conduct Authority, or an appointed representative of an authorised firm. You can verify any firm yourself on the FCA Register, and we tell you who the firm is as part of the introduction.
Do I have to use the broker you introduce?
No. An introduction is not a commitment. You can speak to the broker, take the information away, and decide in your own time. You are free to use a different broker or to go direct to a lender.
What does it cost me?
We do not charge you for the introduction. The broker may charge a fee for their advice, or be paid by commission from the lender, or both, and they must tell you which before you commit to anything. We never claim the whole process is free.
How do you make money then?
We may receive an introduction fee from the broker. That never increases the rate or fee you are offered, and it does not come out of your pocket. We tell you this because you should know how we are funded.
Founder, MortgageExplained, MortgageExplained
Adam spent nearly a decade as a mortgage adviser at Just Mortgages, with further experience in commercial finance. He is CeMAP and CF qualified. He built MortgageExplained to do one thing well: explain mortgages in plain English, then introduce you to a regulated broker when you are ready. Every page is written and reviewed by Adam.
Last reviewed: 21 July 2026