Which mortgage lender meets your needs? | Deal Direct
  • Contact
  • About us
  • Careers
  • Regulatory Info
    • Menu

    Which mortgage lender meets your needs?

    Find out with Deal Direct's expert help

    • We'll find your best deal for you
    • Easily compare UK mortgage market
    • Real-time mortgage quotes
    • Quote will not affect credit score

    Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

    experience a 5 star customer service

    Unsure which mortgage option is right for you?

    If you’re unsure which mortgage option is right for you – call today to speak with one of our mortgage experts or talk with us via our live mortgage advisor help chat.

    To speak to a mortgage advisor call 0800 029 1671
    Request a callback
    Live Mortage Help

    We’ve made getting the best mortgage deal fast and simple

    See why 1,000s of customers choose to Deal Direct

    • We compare the UK mortgage market for you
    • Our mortgage advisors are with you every step of the way
    • We’ve helped thousands of happy customers get the right mortgage
    • Online, by phone or live chat – complete your mortgage your way

    What our customers say…

    Efficient & professional service

    From the first contact, we had enquiring about types of mortgages to the final contact receiving confirmation that the funds had been released, the advisors were knowledgeable and professional. Responses to all our queries were always quick & comprehensive. Great service.

    Jane R.
    5 Star via TrustPilot

    THINK CAREFULLY BEFORE SECURING A MORTGAGE OR OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER BORROWING SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING, YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE BORROWING AND INCREASING THE TOTAL AMOUNT YOU REPAY.

    Deal Direct is a trading style of Deal Direct Financial Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority for regulated mortgage and non-investment insurance contracts. Our FCA Number is 478726.

    Mortgages

    • Overall cost for comparison: Estimated to be 6.70% APRC
    • Completion fees: Subject to circumstances, typically £198 upfront and £799 on completion
    • Complex cases: If your circumstances involve adverse credit, complex situations, debt consolidation, or commercial elements, fees may increase to a maximum of £2,693 with £198 payable upfront upon application
    • Fee structure: Fees are per application basis. Subsequent applications or amendments incur a separate £99 application fee

    We do not charge a broker fee for Product Transfers. A product fee may be payable to your lender, subject to and the terms of your new mortgage arrangement. Deal Direct Financial receives commission for this service, which is paid directly by the lender.

    A product transfer only provides mortgage options from your current lender. Please note, re-mortgaging to another lender could potentially enable you to get a lower rate so please consider obtaining whole of market advice when reviewing your options.

    Secured Loans

    Representative example: Based on borrowing £20,000 over 60 months:

    • Interest Rate: 7.55% fixed for 60 months
    • Monthly instalments: £448.16
    • Fees: Broker fee (£2,000); Lender fee (£395)
    • Total amount payable: £27,014.60, comprised of loan amount (£22,395) and interest (£4,618.60), including broker and lender fees
    • Overall cost of comparison: 9.50% APRC
    • Loan terms: Minimum 36 months, maximum 360 months
    • Maximum APRC: 29%
    • Broker fee: Maximum 10% of net loan amount (maximum £4,995), payable upon completion and can be added to your loan

    Homeowner loans are secured against your property. We are a broker and arrange secured loans from a panel of lenders of which we receive commission upon completion.

    Your adviser will confirm all costs in writing prior to any application being made.

    Insurance

    £200,000 life cover at £9.67 per month

    Example based on a 37-year-old non-smoker taking a 25-year Level Term Life Insurance policy with fixed monthly premiums.

    Important Assumptions

    This quote is for illustrative purposes and assumes:

    • You are in good health with no adverse family medical history
    • You don’t regularly participate in hazardous sports or activities (more than once per month)
    • Your occupation is not classified as high risk
    • Premiums paid monthly by direct debit

    What’s Included

    £200,000 lump sum payment on death during the policy term
    Terminal illness cover (12-month prognosis)
    Fixed premiums for the full 25-year term
    No medical exam required for this coverage level (subject to health questions)

    Key Exclusions

    • Death resulting from excluded pre-existing conditions

    Please note: While we work with a comprehensive panel of insurers, not all insurers are displayed. Contact us for our complete panel list.

    Commission Disclosure

    The exact amount of commission we will receive is not known at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

    Our Services

    • We are not limited in the range of mortgages we will consider for you
    • We can offer advice on both first and second charge loans
    • We offer a comprehensive range of mortgages from across the market
    • Note: We do not offer deals that you can only obtain by going direct to a lender
    • While our lender panel is comprehensive, some lenders are not displayed – you can view a list of these on our website

    © 2025 Deal Direct Financial Solutions Ltd

    Deal Direct Financial Solutions Ltd Registered in England & Wales Company No. 05446793. Registered Address: Suite B 2nd Floor, 3500 Parkway, Solent Business Park, Whiteley, PO15 7AL.

    Which mortgage lender meets your needs? Find out with Deal Direct’s expert help.

    As there are more than 340 of them in the UK today (according to FCA statistics), how do you determine which mortgage lender best suits your needs?

    It would be a huge task to undertake alone and involve a large amount of time and effort. The thought of filtering through those many mortgage lenders and their products numbering in the thousands by yourself could explain why most people don’t bother.

    Sticking with what you know is understandable BUT it may not be the most advisable course of action. Seeking expert guidance from Deal Direct can quickly lead you to a mortgage lender whose profile you match and whose products have great rates and ideally suit your borrowing needs.

    Get Best Quote ›

     

    Why sticking with a mortgage lender who is your bank or building society may not be your best option

    Finding and applying for a mortgage is thought to be one of the most stressful activities we can engage in today. The market is both huge and complex with tightened lending criteria and lengthy application processes. Would-be borrowers can find it complicated and daunting.

    Consequently, many seek the familiar and turn to their bank or building society for their mortgage or remortgage needs. This could be a mistake that leads to:

    • losing out on your most suitable mortgage solution.
    • paying higher rates than necessary.
    • having your application rejected.

    Just because you are a banking services customer of a mortgage lender doesn’t necessarily mean they have the ideal product for you, will offer you the best rates or automatically approve your mortgage application.

    Using experts like ourselves takes all the hassle and stress out of it because it’s our business to find you the very best deal.

    How one mortgage lender can differ from another

    A mortgage lender may decide to specialise in providing home financing to a certain sector of the market. This could be defined by:

    • industry - such as IT or teaching etc.
    • types of mortgage offered - such as buy to let, credit impaired, Help to Buy etc.
    • customer profiles - employed, self-employed, over 55, business owner or ‘complex cases’ etc.

    Because each mortgage lender has its own parameters for determining risk and affordability (subject to FCA regulations), the terms and conditions offered vary among them and affect:

    • minimum and maximum loan amounts offered.
    • criteria used to determine affordability.
    • supporting documentation required.
    • eligibility due to age.
    • underwriting processes used.

    If your case is less than straightforward, it may be possible to find a mortgage lender willing to listen and consider less-than-conventional but compelling applications. Knowing who to approach in these cases is vital and this is where Deal Direct’s in-depth knowledge of the market really pays dividends.

    Why choose Deal Direct?

    Leading mortgage broker. Deal Direct is a leading mortgage broker in the UK. We can guarantee objectivity and impartiality, recommending mortgage options without prejudice. The professional and qualified advice we offer is regulated by the FCA to be in your highest and best interests. We go the extra mile when it comes to sourcing a mortgage in line with your wishes.

    Great level of customer service. We pride ourselves on the level of customer service we offer. Don’t just settle for our word on that! Read the fantastic feedback from thousands of satisfied customers and their experiences below:

    › Review Centre
    › TrustPilot
    › Reviews.co.uk

    For expert advice on finding a mortgage lender with products ideally suited to your requirements, contact Deal Direct.

    Call us on 0800 029 1671, email us or click on the chat box at the bottom of the page to ask a question.

    Get Best Quote ›

    Loan to value too high
    Should this be a Joint Application?