Bank of England4.50%

Avg 2yr Fixed4.49%

Avg 5yr Fixed4.25%

Avg SVR7.85%

Avg Tracker5.20%

Bank of England4.50%

Avg 2yr Fixed4.49%

Avg 5yr Fixed4.25%

Avg SVR7.85%

Avg Tracker5.20%

Mortgage Intelligence

The Insights
Engine

Market analysis, buyer guides, and economic insight — empowering you with the intelligence to make confident financial decisions.

Cost and Price

Mortgage Broker Fees Explained: Fixed Fee, Percentage or Free?

Some mortgage brokers charge a fee, some do not, and the fee-free option is not always the cheapest overall. Here is how to work out what you are actually paying.

29 Sept 20265 min read

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Loan Impact

Do mortgage brokers charge fees? Here is how broker fees work in the UK, the difference between fixed, percentage and fee-free models, and how to compare them.

Bank of England

4.50%

Avg 2yr Fixed

4.49%

Avg 5yr Fixed

4.25%

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Moving house?

This guide will provide you with a step-by-step process to help make the home buying experience as smooth and stress-free as possible.

Cost and Price22 Sept 2026

How Much Does a Mortgage Broker Cost in the UK in 2026?

Most UK mortgage brokers are paid by the lender, not the client, but some charge fees too. Here's how to find out exactly what you'd pay, and why.

Rate Impact

A plain-English guide to how UK mortgage brokers charge in 2026, covering lender commission, client fees, and what to ask before you commit.

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Market Trends14 Jul 2026

Market Update: Why Consistency Wins in Today's Mortgage Market

The market has settled, clients value advice over price, and the advisers winning right now are the ones doing the small things every single week. A message from our Managing Director, Gareth.

Rate Impact

The market has settled, clients value advice over price, and the advisers winning right now are the ones doing the small things every single week.

Read Article

Career & Earnings9 Jul 2026

What Self-Employed Mortgage Advisers Actually Earn in 2026 (The Real Numbers)

What do self-employed mortgage advisers actually earn in the UK in 2026? Real income ranges by case volume, commission split and career stage — plus: find your own number.

Rate Impact

What do self-employed mortgage advisers actually earn in the UK in 2026? Real income ranges by case volume, commission split and career stage.

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Market Trends28 Jun 2025

Bank of England Holds Base Rate at 4.50% — What It Means for Borrowers

The Monetary Policy Committee voted to maintain the current base rate, signalling a cautious approach amid mixed economic data. Here's what this means for your mortgage repayments and future borrowing costs.

Rate Impact

Fixed rates expected to remain stable through Q3. Variable rate borrowers see no immediate change.

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Buyer Guides22 Jun 2025

First-Time Buyer Guide: How to Maximise Your Borrowing Power in 2025

With mortgage affordability tests evolving, first-time buyers need a clear strategy. We break down the key steps to strengthen your application and access the best deals on the market.

Rate Impact

First-time buyer products averaging 4.35% for 5-year fixes with 10% deposit.

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Economic Analysis18 Jun 2025

UK Housing Market Report: Regional Price Trends and Forecast

House prices continue to show regional variation, with the North West and Midlands outpacing London for growth. Our analysis covers the latest data and what it signals for buyers and investors.

Rate Impact

Higher property values in growth regions may affect LTV ratios and available rates.

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Market Trends12 Jun 2025

Remortgage Window: Why the Next 6 Months Could Save You Thousands

With over 1.6 million fixed-rate deals expiring in 2025, now is the time to review your options. We explain why acting early on your remortgage could lock in significant savings.

Rate Impact

Remortgage rates averaging 4.15% for 5-year fixes — down 0.3% from January.

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Economic Analysis5 Jun 2025

Buy-to-Let in 2025: Tax Changes, Yield Expectations, and Market Outlook

The buy-to-let landscape continues to evolve with regulatory changes and shifting tenant demand. Our analysis covers what landlords and investors need to know this year.

Rate Impact

BTL rates averaging 5.10% for 75% LTV products. Rental yields strongest in the North.

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Buyer Guides30 May 2025

Understanding Mortgage Protection: The Policies Every Homeowner Needs

Beyond the mortgage itself, protecting your home and family requires the right insurance cover. We explain the essential policies and how to choose the right level of protection.

Rate Impact

Protection premiums have decreased 8% year-on-year for standard life cover.

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The InsightsEngine

Mortgage Broker Fees Explained: Fixed Fee, Percentage or Free?

Moving house?

How Much Does a Mortgage Broker Cost in the UK in 2026?

Market Update: Why Consistency Wins in Today's Mortgage Market

What Self-Employed Mortgage Advisers Actually Earn in 2026 (The Real Numbers)

Bank of England Holds Base Rate at 4.50% — What It Means for Borrowers

First-Time Buyer Guide: How to Maximise Your Borrowing Power in 2025

UK Housing Market Report: Regional Price Trends and Forecast

Remortgage Window: Why the Next 6 Months Could Save You Thousands

Buy-to-Let in 2025: Tax Changes, Yield Expectations, and Market Outlook

Understanding Mortgage Protection: The Policies Every Homeowner Needs

The Insights
Engine