Mortgage Brokers Prices in England — How Much Does It Cost? (2026)
UK price ranges for mortgage brokers, what affects costs, and expert tips to get the best deal.
Typical starting cost
Often free
Prices vary by location, complexity, and provider. See the full breakdown below.
| Service | Typical Price | Unit | Notes |
|---|---|---|---|
| Whole-of-market residential mortgage | £0–£500 | per application | Many brokers earn lender procuration fee only |
| Buy-to-let mortgage | £0–£750 | per application | — |
| Remortgage | £0–£400 | per application | — |
| Complex income/self-employed mortgage | £500–£1,500 | per application | — |
| Protection review (life/income) | Free | fixed | Commission-only typically |
Regional price variation
Prices in London and the South East are typically 20–40% higher than the national average. Rates in the North of England, the Midlands, and Wales tend to be at the lower end of the ranges above.
What affects the cost of mortgage brokers?
- Broker business model (fee-based vs commission-only)
- Complexity of income (employed vs self-employed)
- Loan amount and LTV ratio
- Speed of service required
- Whether whole-of-market or restricted panel
How to get the best price for mortgage brokers
- 1Ask if the broker is whole-of-market — restricted brokers cannot access best-buy deals
- 2Compare at least two brokers — procuration fees vary by lender
- 3Use a no-fee broker if your case is straightforward
- 4Avoid brokers who charge upfront fees before offer stage
Mortgage Brokers prices by city
Frequently asked questions
How much does a mortgage broker charge in the UK?
Many mortgage brokers charge nothing directly, earning a procuration fee from the lender. Others charge £300–£750 for their service. Complex or non-standard cases may cost £1,000–£1,500.
Is a mortgage broker worth the cost?
A whole-of-market broker accesses deals not available direct to consumers and handles paperwork, which typically saves more than their fee. For self-employed or complex income borrowers, a specialist broker is strongly recommended.
Do I need a mortgage broker or can I go direct to a bank?
You can apply directly to any lender, but you will only see their own products. A whole-of-market broker compares hundreds of lenders including specialist providers not available on the high street.
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