Better.co.uk Review: Honest Insights on Their Services

Let’s face it, finding the right mortgage can be a time-consuming headache. 

Between dealing with endless lenders and trying to decode all the jargon, it’s enough to make anyone’s head spin. 

Add work, family, and everything else life throws your way, and it’s no wonder it feels overwhelming.

This is where mortgage brokers like Better.co.uk come in. 

Their goal? To take the stress out of the process, save you time, and maybe even help you save a bit of cash too.

In this review, we’ll take an in-depth look at Better.co.uk—from how they work and what makes them different, to their pros and cons, and whether they’re the right choice for your mortgage needs.

What is Better.co.uk?

Better.co.uk is an online mortgage broker that’s here to make your life easier. They’re free to use and take the hassle out of finding the right mortgage.

You might know them as Trussle—that was their name before 2021, when they teamed up with the US finance company Better Home & Finance Holding Company. 

Now, with offices in London and Cardiff, they’re focused on helping everyone, from first-time buyers to experienced landlords, find the right mortgage deal without charging you a penny.

They’re also the mortgage partner for Forbes Advisor, which speaks volumes about their reliability. Customers love their clear advice, great deals, and easy-to-use service.

Their goal is simple: to save you time and money by making the mortgage process straightforward. 

With their user-friendly platform and helpful team, Better.co.uk is ready to make things as smooth and stress-free as possible for you.

How Does Better.co.uk Work?

Better.co.uk makes sorting out a mortgage easy and stress-free. With a mix of online convenience and expert advice, here’s how it all works:

1. Create an Account

Head over to the Better.co.uk website and set up an account. Pop in some basic details about yourself, your finances, and the property you’re after. 

This helps them understand your situation and start looking for the best mortgage options for you.

2. Complete Your Profile

Next, fill in a more detailed profile, which takes about 15 minutes. You’ll share things like your income, expenses, and credit history. 

It’s worth spending a bit of time on this so they can give you recommendations that fit your needs perfectly.

3. Get Your Advisor

Once your profile is done, you’ll be matched with a mortgage advisor—an actual expert who knows their stuff. 

They’ll explain your options clearly and help you choose the best deal, taking into account interest rates, fees, and other terms.

4. Apply for Your Mortgage

Happy with the recommendation? Your advisor will take care of the application for you. All you need to do is upload documents like bank statements, payslips, and proof of ID. 

Recommendations often come through within 24 hours once your documents are in. The process is secure, paperless, and easy to manage.

5. Sit Back While They Handle the Paperwork

Better.co.uk will sort out all the paperwork and deal with the lender directly. 

They’ll keep you updated along the way, and if you have any questions, your advisor is just a message or phone call away. 

You can do it all online, but there’s always someone to talk to if you prefer.

It’s that simple—no stress, no hassle, just expert help to get you the right mortgage deal.

About Better.co.uk Services

Better.co.uk has your back no matter where you are on the property ladder. Here’s what they offer:

• First-Time Buyers. Whether you’re stepping onto the property ladder for the first time or just figuring out how it all works, they’re here to guide you.
• Remortgages. Looking to switch to a better deal? They’ll help you find options that could save you money or suit your changing needs.
• Buy-to-Let Mortgages. For those investing in rental properties, they’ll help you find the right deal to make your investment work harder.
• Secured Loans. Need to unlock some equity in your home? Better.co.uk can sort out a secured loan (commonly called a second mortgage) to help with big expenses.
• Protection Insurance. Through trusted partners, they can connect you with mortgage protection insurance, including life and critical illness cover, to keep you and your loved ones covered.

To make life even easier, they’ve got handy online tools like mortgage calculators, remortgage savings estimators, and stamp duty calculators. 

These tools give you a clearer picture of your options and help you make confident decisions without any guesswork.

Do Better.co.uk Charge a Fee?

For most people, Better.co.uk is completely free to use. They get paid a commission by the mortgage lender when your deal is finalised, so you don’t need to spend a penny on their advice.

There’s one exception: if you have poor credit, a £199 fee might apply. Don’t worry, though—if they can’t find a suitable lender for you, they’ll refund the fee.

Unlike traditional brokers who charge up to £500 for mortgage advice, Better.co.uk keeps things simple and affordable. 

Their focus on transparency and low costs makes mortgage guidance accessible for everyone.

Oh, and there’s a little bonus! They’ve got a ‘Refer a Friend’ programme.

If you refer someone and they complete their mortgage with Better.co.uk, you and your friend both get £100 in Amazon vouchers.

Can I Trust Better.co.uk To Recommend the Best Deal?

It’s natural to wonder if Better.co.uk might favour certain lenders because they earn a commission when you complete a deal. 

But they’ve been clear about how they work: their goal is to recommend mortgages that are right for you, not just for them. 

They take into account factors like interest rates, fees, and terms to find options tailored to your needs.

That said, there’s one limitation to consider—they don’t have access to direct-only deals. So, what does that mean?

Direct-only deals are special mortgage offers that you can only get by applying directly with the lender, without going through a broker. 

These deals are sometimes cheaper or come with unique terms, so having access to them can be an advantage. 

Since Better.co.uk doesn’t include these in their recommendations, they are not considered a whole-of-market broker.

Does that mean you won’t find a good deal with Better.co.uk? 🤔

Not at all. 

They still have access to over 100 lenders and 12,000+ competitive deals, which can save you a lot of time and effort. 

But if you want to make sure you’re getting the very best option available, it might be worth checking direct-only deals yourself.

Is Better.co.uk Legit?

Yes, Better.co.uk is completely safe and legit. They’re fully authorised and regulated by the Financial Conduct Authority (FCA), which means they adhere to strict guidelines for offering mortgage advice in the UK. 

Your data is also secure with them, as they use bank-grade encryption to keep your personal information safe. 

Plus, as they don’t hold customer funds, there’s no risk of losing your money if anything goes wrong.

What Makes Better.co.uk Different?

Better.co.uk makes sorting out your mortgage feel as simple as online shopping (almost). 

You get the best of both worlds—handy online tools to manage everything when it suits you and real, friendly mortgage experts ready to guide you whenever you need help. 

It’s like having a super-organised friend who knows all the mortgage lingo and can translate it for you.

They’re also big on saving you money. In 2024, their customers saved an impressive £558 per month on average compared to their old mortgages. 

That’s enough to fund a monthly Netflix binge, your gym membership, and still have cash left over for a takeaway.

They also offer a ‘Better Price Promise.’ If they match a competitor’s mortgage offer and you go with Better.co.uk, you’ll get a £100 voucher when your mortgage is completed. 

It’s like a little “thank you” gift from them to you—and proof they’re confident about offering top deals. 

One thing to note, though: they don’t include direct-only deals. 

As we’ve mentioned, these are special offers from certain lenders, like Lloyds or First Direct, which you can only get by applying directly. 

While Better.co.uk works with over 100 lenders and has thousands of products, if you’re after a direct-only deal, you’ll need to check with the lender directly.

So, what’s the verdict? 

Better.co.uk is great for most people—it’s fast, simple, and often cheaper (it’s free!)

But if you’re the type who wants to leave no stone unturned (and we get it, it’s your money we’re talking about), it’s worth checking out those direct-only deals too.

After all, sorting a mortgage is the biggest financial commitment you’ll ever make. 

It’s worth doing your due diligence—you wouldn’t want to miss anything when thousands of pounds are at stake.

What is the Customer Experience Like?

Better.co.uk shines with a 4.8/5 rating from over 8,700 reviews on Trustpilot. 

Many people love their friendly advisors, smooth process, and helpful updates on market changes. 

Once the paperwork is sorted, most customers find the experience stress-free and straightforward.

But it’s not all perfect. Some have grumbled about too many upsell calls, emails, or cold calls. 

Delays, occasional document errors, and limited support during advisor absences have caused frustration for others.

Still, the proactive advice and personalised service keep Better.co.uk a favourite for many, even with a few hiccups.

How Do They Compare to Other Brokers?

Better.co.uk puts a fresh spin on getting a mortgage, making it easier and less of a headache than traditional brokers. 

Instead of squeezing in face-to-face meetings or visiting a bank, you can do everything online or over the phone. 

It’s quick, hassle-free, and—best of all—fee-free, which is always a bonus for your wallet. 😉

Here’s how it compares:

• Bank mortgage advisors: They only offer products from their own bank, so you’re stuck with fewer options.
• Independent brokers: They usually work with lots of lenders and give detailed advice, but you might have to pay a fee and meet in person.
• Specialist brokers: Perfect if you’ve got unique needs, like bad credit or an unusual property, but they can be a bit pricey and harder to access.

What about other online brokers? 🧐

Better.co.uk isn’t alone in this space. 

Habito, for example, also offers an online-first service and throws in extras like conveyancing and access to direct-only deals—something Better.co.uk doesn’t cover. 

Then there’s Mojo, which focuses on live chat support and personalised advice, though they might charge for certain services.

The big win for Better.co.uk? It’s simple, free, and fits around your life. If you’re after expert advice without the hassle or cost, it’s a top contender. 

But if extras like access to every possible deal or bundled services are a must, it’s worth checking out the competition too. 

Either way, you’ll be one step closer to finding your perfect home—and hopefully with a bit of money left over for some celebratory takeaway! 🎉

Who Should Use Better.co.uk?

Here’s a quick look at who might benefit the most:

• First-Time Buyers
• Remortgagers
• Buy-to-Let Investors
• Busy Professionals
• Cost-Conscious Borrowers (Perfect for those who want expert advice without paying a broker fee.)
• Anyone comfortable managing  conveyancing or surveys separately

They’re best for people who value convenience and expert support but don’t need access to direct-only deals.

The Pros and Cons of Using Better.co.uk

To help you decide, below are the pros and cons of using Better.co.uk:

Pros

• Fee-free service for most clients
• Access to deals from over 100 lenders
• Dedicated personal mortgage advisor for each client
• Streamlined, online process that fits around your schedule
• Quick recommendations within 24 hours of uploading documents
• Proactive rate monitoring to help secure better deals

Cons

• A  £199 fee may apply for clients with adverse credit
• No access to direct-only deals (e.g., Lloyds or First Direct)
• Communication delays during peak times
• They don’t offer a full home-buying package (e.g., conveyancing or surveys)

The Bottom Line: Is Better.co.uk Right for You?

If you’re after a straightforward, affordable way to get mortgage advice and want to avoid hefty broker fees, Better.co.uk could be just what you need. 

They offer a user-friendly platform, knowledgeable advisors, and access to a wide range of mortgage deals—all without the cost. 

But, if you need a broker who can handle everything from surveys to conveyancing, you might want to consider competitors like Habito.

Our Take: Better.co.uk earns an impressive 4 out of 5 stars (★★★★☆). 

It’s a solid choice if you want free advice, a simple platform, and quick turnaround times. With access to over 100 lenders and helpful advisors, it ticks a lot of boxes. 

That said, it misses a perfect score due to the lack of direct-only mortgage deals.

Think Better.co.uk is right for you? Head over to their website and get started today.