You Don't Have to Pay Us Anything

You Still Get Access to 90+ Lenders

We're Regulated and Impartial

Our Free Mortgage Service

The phrase “you get what you pay for” often holds true, but not in the mortgage and insurance industry.

All whole-of-market brokers have access to the same lenders and rates.

So paying a fee doesn’t get you a better mortgage or quality of service.

It simply means that we’re satisfied with the commission we receive from our lenders, and see no need to charge anything on top.

How We Get Paid Instead

At Boon Brokers, we’re paid by the lender once your mortgage completes – not by you.

We’re happy with that commission, which means:

  • You don’t pay any broker fees
  • You get the same access to the market
  • You receive the same expert advice

Our commission from lenders is clearly outlined in the Mortgage Illustration documents, which you will approve before we submit your application.

We Get Paid by the Lender - Not You

View the mortgage process

Mortgage Recommendation

You will receive a Mortgage Recommendation from our experts based on your situation, goals, and what you can afford.

Application Submission

We’ll guide you through your options. Our commission is clearly outlined on the Mortgage Illustration, which you must approve before we submit your application.

Completion & Commission

When the Mortgage application is approved by the lender, we will receive your Mortgage Offer. Once your solicitor completes the transaction, we receive our commission.

You Pay Us Nothing

No broker fees. No surprises.

Even if your mortgage falls through, we still won't charge you. 

View the mortgage process

Our Commission Benefits You

Our priority is always to deliver a fast, seamless, and genuinely excellent experience for every client.

We reinvest the majority of our profit back into the business, building smarter systems for our brokers and partners and improving efficiency.

This means faster outcomes and a better experience for you at every stage.

We will continue to invest in technology to enhance our processes, enabling us to deliver a consistent, 5-star service at all times.

Trustpilot

Your Success, Our Reward

We only receive our commission if your mortgage completes, meaning our success is directly tied to yours.

Most importantly, we care about you from start to finish. If your case falls through, there are no hard feelings and we will be here to help whenever you are ready to move forward again.

There are no upfront costs, no hidden fees, no pressure, and no judgement.

Our mission is simple: to make mortgage advice free for everyone in the UK.

Frequently Asked Questions

What Does Whole-Of-Market Access Mean?

Whole-of-Market access means that we can access a whole of market range of lenders. At Boon Brokers, we have truly whole of market access, with over 90 providers available to us. That includes all the high-street lenders like Santander, Halifax, Nationwide, Barclays, NatWest, TSB, HSBC, etc, as well as more specialist lenders like Accord, Precise, Metro, etc.

If Lenders Pay Your Commission, Why Do Other Brokers Still Charge a Fee?

Upfront fees do not guarantee a better service. Simply put, all brokers receive commission from lenders for matching clients with the right mortgage product. However, some brokers may still wish to charge additional upfront fees. In the financial world, this is called ‘double dipping’, and refers to charging both an upfront fee and receiving commission. At Boon Brokers, we believe that the commission lenders pay us is enough. That is why our philosophy is to provide you with a premium service - completely free.

Do You Get Access to Extra Lenders if You Pay an Upfront Broker Fee?

No. Additional charges or upfront costs will not provide any specific advantages from a fee-free broker. If the broker you choose has full whole-of-market access, then additional costs will not grant access to new premium lenders. In short, the number of lenders a broker has access to is fixed by their whole-of-market status, irrespective of any upfront costs.

What Is the Average Cost of a Broker?

The typical cost of using a mortgage broker is paid through commission from the lender, usually around 0.35% of the total loan amount. Any additional fees are always optional, and will vary between brokers. For more information, read our article on How Much Do Brokers Charge?

Are Boon Brokers Approved by the FCA?

Yes. Here at Boon Brokers, we are fully authorised and regulated by the Financial Conduct Authority (FCA). This approval ensures that we can offer expert mortgage advice and arrange mortgages on a whole-of-market basis.