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Online-only mortgage brokers enable you to carry out most of the mortgage comparison and application process online and do not give borrowers the choice of going into a physical branch or office.
This might mean submitting details about your mortgage search to a chatbot, filling in an online form, or selecting options in an app.
As a result, online only mortgage brokers are sometimes referred to as robo-advisors (although technically speaking, the term also encompasses other forms of online financial advice).
Some of these services claim that you can find and apply for a mortgage in just 15 minutes, which is potentially much faster than speaking to a broker or carrying out extensive mortgage searches yourself.
However, there will still be paperwork to go through, and human mortgage brokers will always be used at some point in the process in order to make sure your application is correct and legally binding.
Read our guide on choosing a mortgage broker to find out how traditional mortgage brokers work.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
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Searching and applying for a mortgage using a chatbot or app can be a convenient option for those who don't have the time, knowledge or confidence to do it themselves.
This really depends on your circumstances and the kind of service you want.
For straightforward cases, particularly if you're looking to remortgage, using a robo-advisor can be a very quick and easy option, especially if you work unsociable hours and would struggle to find time to talk to a traditional broker.
If your circumstances are more complicated, however, you might benefit from having tailored support from an expert adviser earlier on in the process.
To find out about more traditional mortgage brokers, see our guide on choosing a mortgage broker.
Whether you're thinking about using an online broker or a human one, you should always check to see whether they're FCA-registered. You can search for them on the FCA's database.
Here, we've set out the online only mortgage brokers that have access to a wide range of lenders and are fully regulated by the Financial Conduct Authority.
We've put them in alphabetical order.
This brokerage says it has 12,000 products on offer and access to over 100 lenders across the whole market.
Better.co.uk says that if it can match a more competitive offer from a valid competitor, the borrower will be rewarded with a £100 voucher upon mortgage completion.
It is free to use but only works with lenders that pay procurement fees and who have relationships with brokers. This excludes lenders such as First Direct, Cumberland Building Society, Yorkshire Building Society and Lloyds Bank.
Dynamo helps source buy-to-let, residential, commercial and second charge mortgages. The broker is owned by Connells Group, which owns several well-known estate agents such as Hamptons, Abbots and Fox & Sons.
The online broker has a team of more than 40 consultants to help you find the right mortgage for you.
It states that any fees payable will be explained in your initial no-obligation appointment, before you choose whether to use its Mortgage Services.
A free-to-use whole-of-market mortgage broker with access to over 90 lenders with 20,000 products.
It claims to have a short application process that takes less than 10 minutes, with a turnaround time of 24 to 48 hours to obtain an agreement in principle.
It will not recommend a lender that it's not partnered with, which could limit your options.
There are no charges upfront, but you can upgrade to the Habito Plus package for a fixed fee (starting from £2,000) that helps you through the buying process, including surveying your new property.
L&C is the UK's largest fee-free mortgage broker, which means it won’t charge you for its mortgage advice service.
It has access to 1000s of deals from over 90 different lenders across the market and its advisers are on hand to help seven days a week, online or over the phone.
You can get in touch with L&C on 0808 292 6528, and its offices are open Mon-Thurs 9am-8pm, Fri 9am-5.30pm, Sat 9am-5pm and Sun 10am-4pm.
With whole-of-market access, covering more than 60 lenders and thousands of mortgage products, Mojo comes with no upfront cost.
Any deal with a lender that has a fee can be paid upfront or added to the mortgage, but Mojo adds nothing on top of those fees. Instead of being paid by the borrower, Mojo receives a commission from the mortgage lender.
The mortgages available are good for standard borrowers but may not be suitable for specialist lenders or those with bad credit scores.
Tembo works with more than 100 lenders and 25 schemes. It claims to offer the choice of more than 20,000 mortgages across high-street lenders and specialist schemes.
Once you have been through the process, it will offer you a single recommendation.
It has a ‘boost’ programme that allows borrowers to enlist the help of family members or friends with equity available for their income or deposit, making it easier for first-time buyers.
Tembo charges a fee for its service: a standard mortgage comes with a £499 cost, and a boost mortgage will set you back £749.
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