The stress-free way to finding the best mortgage for you…

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We are The Mortgage Brain...

We’re the broker with the stress-free way to find the best mortgage for you.

We help first-time buyers, existing mortgage holders and landlords, so wherever you are on the property ladder, our expert teams are here to help. We also work with The Fostering Network to support foster carers to find the best mortgage.

We have over 30 years’ mortgage and insurance experience and our friendly teams will offer the most suitable advice and the most affordable deals, then take you through the whole process. Nothing pleases us more than telling our customers they are now fully fledged homeowners.

Today's top new mortgage deals

Here are some of today's best mortgage deals*, based on a new mortgage, borrowing £250,000 at an LTV of 75% over 25 years.
Furness BS
£1,028.30
Initial monthly payment
2 year Fixed
Initial rate
1.71%
Total fees
£1,139.00
Follow on rate
8.39%
APRC
6.9%
Initial period cost
£24,549.20

Standard variable rate 8.39% | Lender arrangement fee £999.00 | Total fees £1,139.00 | Early repayment charge applies until

Your rate of 1.71% will last for the first 24 months of your mortgage (the initial period). During that period you’ll be charged £1,028.30 a month. After that, you’ll switch to the Furness BS’s standard variable rate (SVR) of 8.39%

Virgin Money
£1,083.51
Initial monthly payment
2 year Fixed
Initial rate
2.16%
Total fees
£1,295.00
Follow on rate
8.24%
APRC
7.1%
Initial period cost
£27,137.75

Standard variable rate 8.24% | Lender arrangement fee £995.00 | Total fees £1,295.00 | Early repayment charge applies until 01-Feb-2027

Your rate of 2.16% will last for the first 25 months of your mortgage (the initial period). During that period you’ll be charged £1,083.51 a month. After that, you’ll switch to the Virgin Money’s standard variable rate (SVR) of 8.24%

Virgin Money
£985.06
Initial monthly payment
2 year Fixed
Initial rate
1.34%
Total fees
£1,295.00
Follow on rate
8.24%
APRC
7%
Initial period cost
£24,676.50

Standard variable rate 8.24% | Lender arrangement fee £995.00 | Total fees £1,295.00 | Early repayment charge applies until 01-Feb-2027

Your rate of 1.34% will last for the first 25 months of your mortgage (the initial period). During that period you’ll be charged £985.06 a month. After that, you’ll switch to the Virgin Money’s standard variable rate (SVR) of 8.24%

*Please note: terms and conditions apply

Today's top remortgage deals

Here are some of today's best remortgage deals*, based on a new mortgage, borrowing £250,000 at an LTV of 75% over 25 years.
Nationwide BS
£1,358.43
Initial monthly payment
5 year Fixed
Initial rate
4.24%
Total fees
£1,079.00
Follow on rate
7.49%
APRC
6.4%
Initial period cost
£81,570.80

Standard variable rate 7.49% | Lender arrangement fee £999.00 | Total fees £1,079.00 | Early repayment charge applies until 5 years

Your rate of 4.24% will last for the first 60 months of your mortgage (the initial period). During that period you’ll be charged £1,358.43 a month. After that, you’ll switch to the Nationwide BS’s standard variable rate (SVR) of 7.49%

Nationwide BS
£1,358.43
Initial monthly payment
5 year Fixed
Initial rate
4.24%
Total fees
£1,079.00
Follow on rate
7.49%
APRC
6.4%
Initial period cost
£81,070.80

Standard variable rate 7.49% | Lender arrangement fee £999.00 | Total fees £1,079.00 | Early repayment charge applies until 5 years

Your rate of 4.24% will last for the first 60 months of your mortgage (the initial period). During that period you’ll be charged £1,358.43 a month. After that, you’ll switch to the Nationwide BS’s standard variable rate (SVR) of 7.49%

NatWest
£1,363.96
Initial monthly payment
5 year Fixed
Initial rate
4.28%
Total fees
£1,025.00
Follow on rate
7.74%
APRC
6.4%
Initial period cost
£87,323.44

Standard variable rate 7.74% | Lender arrangement fee £995.00 | Total fees £1,025.00 | Early repayment charge applies until 30-Apr-2030

Your rate of 4.28% will last for the first 64 months of your mortgage (the initial period). During that period you’ll be charged £1,363.96 a month. After that, you’ll switch to the NatWest’s standard variable rate (SVR) of 7.74%

*Please note: terms and conditions apply

Today's top buy-to-let mortgage deals

Here are some of today's best buy-to-let mortgage deals*, based on a new BTL mortgage, borrowing £250,000 at an LTV of 75% over 25 years.
Zephyr Homeloans
£1,301.06
Initial monthly payment
2 year Fixed
Initial rate
3.24%
Total fees
£18,130.00
Follow on rate
9.65%
APRC
9.6%
Initial period cost
£31,855.44

Standard variable rate 9.65% | Lender arrangement fee £17,500.00 | Total fees £18,130.00 | Early repayment charge applies until 2 years

Your rate of 3.24% will last for the first 24 months of your mortgage (the initial period). During that period you’ll be charged £1,301.06 a month. After that, you’ll switch to the Zephyr Homeloans’s standard variable rate (SVR) of 9.65%

Zephyr Homeloans
£1,301.06
Initial monthly payment
2 year Fixed
Initial rate
3.24%
Total fees
£18,130.00
Follow on rate
9.65%
APRC
9.6%
Initial period cost
£31,855.44

Standard variable rate 9.65% | Lender arrangement fee £17,500.00 | Total fees £18,130.00 | Early repayment charge applies until 2 years

Your rate of 3.24% will last for the first 24 months of your mortgage (the initial period). During that period you’ll be charged £1,301.06 a month. After that, you’ll switch to the Zephyr Homeloans’s standard variable rate (SVR) of 9.65%

Zephyr Homeloans
£1,301.06
Initial monthly payment
2 year Fixed
Initial rate
3.24%
Total fees
£18,130.00
Follow on rate
9.65%
APRC
9.6%
Initial period cost
£31,855.44

Standard variable rate 9.65% | Lender arrangement fee £17,500.00 | Total fees £18,130.00 | Early repayment charge applies until 2 years

Your rate of 3.24% will last for the first 24 months of your mortgage (the initial period). During that period you’ll be charged £1,301.06 a month. After that, you’ll switch to the Zephyr Homeloans’s standard variable rate (SVR) of 9.65%

*Please note: terms and conditions apply

Why choose The Mortgage Brain?

We have access to over 12,000 mortgage deals with hundreds of lenders

All our advisers are CeMAP qualified to find the most suitable mortgage for you and your circumstances

You can follow your mortgage application every step of the way via our online customer portal

We have thousands of happy customers and have a 5 star rating on Trustpilot and 4.9/5 on Google reviews

Your dedicated adviser will be with you every step of the way, from the initial consultation to the completion of your mortgage

What our customers have to say...

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Who we work with

At The Mortgage Brain we work with all the major high street lenders and many other respected providers to ensure we find the very best mortgage to suit your individual circumstances.

Bank of Ireland
Clydesdale Bank
Leeds Building Society
Mortgage Advisers
Principality
The Mortgage Lender
Coventry Building Society
Halifax
HSBC
Kensington
Kent Reliance
The West Brom
Accord Mortgages
Santander
Nationwide Building Society
Nat West
The Cooperative Bank
Skipton Building Society
Barclays
TSB
Metro Bank
The Mortgage Works