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How Do Online Mortgage Advisors Work?

With almost everything available online at the click of a button, it's no surprise that more and more people are turning to online mortgage advisor's when searching for a new mortgage.

Mortgage brokers are there to help steer you in the right direction when it comes to finding a mortgage suited to your financial circumstance. But getting a meeting in place with a professional could add weeks to the process, which is already a lengthy one.

That's where online mortgage advisors come in. With no need for phone calls or meetings, you can get straight to the mortgage hunt from the comfort of your own home.

If you're contemplating using an online mortgage broker to find your next mortgage, this blog will help you find out about how they work and how we can help find the best mortgage for you at Mortgages Online.

Firstly, What Is an Online Mortgage Advisor?

An online mortgage advisor (like us!) allows you to find and compare a range of mortgage deals online, without needing to arrange a meeting with your bank or a mortgage broker. It makes the process a hell of a lot easier and can be much less stressful.

We can cut out the need for lengthy meetings and piles of paperwork, so choosing to do it all online can save you a lot of time. You won't be agreeing to anything concrete either, so even if you only want to find out how much you could borrow it can be helpful.

How Do They Work?

You'll be asked to fill out a quick online form, answer questions to a chatbot or select options in an app. Using this information, a range of deals suited to you and your budget will be found for you, all at the click of a button.

Online mortgage advisors have access to a range of lenders, meaning you aren't limited to a specific number of mortgage deals. If you went with your high street bank, they will usually be limited to their own set of products only, meaning you could miss out on potentially money-saving deals from other lenders.

We have access to over 90 different lenders at Mortgages Online, including all high street lenders. This way, you have more choices available to you.

How Does the Process Work?

It's pretty simple. When you choose Mortgages Online, you head to our website, the one you're on right now, answer a few questions about your financial situation and let us do the rest.

We'll find a range of mortgage deals suited to you, including some helpful information such as how much it would cost to insure your mortgage, conveyancing quotes if you're moving home and the costs of building insurance.

We try to make the process as easy and stress-free as possible. However, we understand that mortgages can be tricky, especially when you're faced with hundreds or thousands of different options. Especially if this is your first time dealing with mortgages. Read on: How to Boost Your Chances of Getting Accepted for a Mortgage.

We want to make sure the mortgage you choose is the right one for you, so we don't stop once you've made your decision. One of our professional mortgage advisors will be there every step of the way. They will look at your details once you've chosen a mortgage deal you like the look of and will review your details, providing any advice they believe to be helpful to you.

Once all the serious stuff is taken care of, we'll submit your application and our award-winning administrators will check the progress of your application once a week, keeping you updated at every stage. We won't leave you wondering and waiting.

Why Use an Online Mortgage Broker?

If you're a bit hesitant about making such a big financial decision without speaking to a real-life person first, you can be rest assured that we have experienced advisers on hand who will look at your application to make sure you're making the right decision.

If you have any questions, we will be there to answer your call or email. Just because the process is online doesn't mean we won't be there when you need us.

There are a number of benefits to using online mortgage advisors, from speeding up the process to less paperwork to take care of. The main benefits of going online include:

  • Flexibility: With no need for meetings or phone calls (if you don't want any), you can choose a time best suited to you to find a mortgage. This is handy for those who are busy or can't make time for meetings inside of office hours.
  • Less paperwork: By using online forms, there is less paperwork to take care of when using an online mortgage advisor. You can fill these out at your convenience and can scan over any documents needed to prove your identity.
  • Time: Technology makes everything quicker, and that is still the case when it comes to online mortgages. By scrapping meetings, this will also help speed up the process.
  • Lower fees: Online mortgage brokers usually charge a lower fee for the advice they give.

Find Your Ideal Mortgage

Using an online mortgage advisor can be the perfect service for many people. If you're stuck for time or looking for a simple process, an online mortgage broker could be the perfect choice for you. Or if you're interested in finding a good deal, online advisors often have access to many more lenders than your standard high street broker, and definitely more than your own bank.

However, if you would prefer to speak to someone directly with face-to-face meetings, this type of mortgage service might not be for you. The good news is, we also have a face-to-face offering, or via Zoom, Teams, Google Hangout, with one of our qualified, friendly mortgage experts. In fact, however you wish to be dealt with, we can help.

If you are interested in knowing more about how we can help you find a suitable mortgage, we would love to hear from you. Don't hesitate to get in touch by calling 03300 58 60 58 or start the process right now by filling in our form.


Andrew Montlake

As Managing Director, Andrew looks after the strategic goals that drive the vision and culture of the company, maintaining and promoting our Brand, Marketing, PR & Communications, as well as looking after our Corporate, Introducer, and Lender relationships.

He is the author of a highly acclaimed Mortgage Blog and host of our successful Mortgage & Property Podcasts and he has also won 8 major industry awards; Best Press Spokesperson (twice), Best Marketeer (twice), Mortgage Personality of the Year (twice), Mortgage Strategist of the Year and most recently Best Business Leader Broker (11-50 brokers).

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We make mortgage applications easier and pride ourselves on our professional and customer sentric approach to securing mortgages for our customers. We are online mortgage brokers. We are MO.

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