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Mortgage brokers reviewed
Better.co.uk (formerly Trussle) is a fee-free online mortgage broker with access to 100+ lenders. Here's our independent look at what it offers, what it costs, and how it compares.
Better.co.uk (formerly Trussle) is a fee-free online mortgage broker that gives customers access to over 100 lenders and 12,000+ mortgage deals. It holds a 4.8 out of 5 Trustpilot rating from more than 9,000 reviews and is authorised and regulated by the Financial Conduct Authority.
Overall, Better.co.uk is a solid option if you want fee-free advice through a modern platform, though if your circumstances are complex or you'd rather speak to someone face to face, it's worth comparing alternatives too.
If you're researching Better mortgages, you'll come across Better.co.uk (formerly Trussle) fairly quickly. It's one of the UK's longest-running digital mortgage brokers, and in this review we look at what it offers, what it costs, and how it compares with other online brokers.
Better.co.uk started life as Trussle in 2015, becoming the UK's first fully digital mortgage broker. The company pioneered the use of technology to simplify mortgage applications, moving away from lengthy phone calls and in-person meetings.
In 2020, Trussle became directly authorised by the Financial Conduct Authority, having previously operated as an appointed representative of Mortgage Advice Bureau. The company was acquired by US-based Better Home & Finance Holding Company in 2021, leading to the rebrand from Trussle to Better.co.uk in 2022. In May 2025, OneDome, a UK property platform, acquired Better.co.uk to expand its homebuying services.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Better.co.uk sits among the UK's leading online mortgage brokers, alongside competitors like Habito, Mojo Mortgages, and London & Country. According to industry data, the combined OneDome group (which now includes Better.co.uk) facilitates over £3.5 billion in annual mortgage lending and processes around 1,100 property transactions a month. The company operates with a network of over 105 mortgage advisors and employs more than 230 property professionals across the group.
Better.co.uk (trading as Trussle Lab Ltd) is authorised and regulated by the Financial Conduct Authority. You can check this on the Financial Services Register.
This regulation means Better.co.uk must meet strict standards for customer care, advice quality, and complaint handling. If something goes wrong, you're protected by the Financial Ombudsman Service and may be eligible for compensation through the Financial Services Compensation Scheme.
Mortgage types
Better.co.uk is a mortgage broker, not a lender, so it doesn't provide mortgages directly. Instead, it searches the market on your behalf and recommends suitable products from a panel of over 100 lenders.
Some lenders don't work with brokers, which means Better.co.uk can't access their products. If you're set on one of these, you'll need to apply to them directly.
A wide lender panel improves your odds of finding a suitable deal, but no broker, however large their panel, can access every lender on the market. If a specific direct-only lender matters to you, check they're not on the exclusion list before committing to any broker.
Compare your options
We compare a wide range of lenders and brokers to help you find options that match your circumstances.
Better.co.uk is fee-free for most customers.
Like most fee-free brokers, Better.co.uk earns commission from lenders when you complete a mortgage through them. This commission comes from the lender's marketing budget, not from you, and Better.co.uk states that advisor pay isn't linked to commission levels.
While Better.co.uk's own service is free, you'll still face standard mortgage costs from your lender and your legal team. Some lenders offer free legal work or free valuations as an incentive, and an advisor can help you identify these deals.
The £199 adverse credit fee is refunded if no suitable lender can be found, so you're not paying for a service that doesn't deliver. Ask any broker upfront whether a fee applies to your circumstances and under what conditions it's refunded.
Application process
Create your profile
Answer questions about your situation, property details, financial information, and employment status. This stage uses a soft credit check, which doesn't affect your credit score. It usually takes 10-15 minutes.
Get your mortgage in principle
Once your profile is complete, Better.co.uk can issue a Mortgage in Principle (MIP) showing sellers and estate agents you're a serious buyer. This is usually ready within 24 hours, often the same day.
Receive your recommendation
A dedicated mortgage advisor reviews your profile and recommends suitable mortgages, explaining the reasoning, total costs, and any potential issues with your application. This typically takes 1-2 days.
Submit your application
Upload supporting documents through Better.co.uk's secure portal, including proof of ID, address, income, and bank statements. This usually takes 1-2 days.
Underwriting and valuation
Your application goes to the lender for a full credit check and property valuation while underwriters review your documentation. Your case manager keeps you updated throughout. This stage typically takes 1-3 weeks.
Receive your mortgage offer
If everything goes smoothly, you'll receive a formal mortgage offer, typically 2-4 weeks from application, though complex cases can take longer.
Complete your purchase
Work with your solicitor to complete. Better.co.uk's SmartBuyer service can connect you with conveyancers and surveyors if you need them.
Timelines vary depending on how straightforward your application is.
Better.co.uk offers several ways to get in touch, and customers can manage most of their application online or through the app.
Better.co.uk consistently receives praise for:
Common complaints include delays during busy periods, technical issues with the online portal, and communication gaps when cases move between team members.
Each customer is assigned a mortgage advisor for recommendations and a case manager for application handling. This split can sometimes cause confusion, but generally works well.
A standout feature is that Better.co.uk monitors rates after issuing your recommendation. If a better deal becomes available before completion, they'll let you know and help you switch if it makes sense for your circumstances.
Alternatives
Choose Better.co.uk if you want access to the widest possible lender panel and value the rate monitoring service.
Choose Habito if you want a broker who'll tell you about direct-only deals even if they can't arrange them, or you're interested in Habito's own mortgage product.
Choose Better.co.uk if you want a dedicated advisor relationship and more personalised service throughout.
Choose Mojo if you want the quickest possible process and have straightforward circumstances.
Choose Better.co.uk if you prefer managing everything online and want a modern, app-based experience.
Choose London & Country if you prefer speaking to someone over the phone and have a more complex situation requiring expert guidance.
Every broker's lender panel and service style is different.
First-time buyers. Better.co.uk's clear explanations, digital tools, and fee-free service make it a good fit for those new to mortgages. Its mortgage and stamp duty calculators help you understand costs before committing.
Remortgagers. If your current deal is ending, Better.co.uk can search the market efficiently, and its rate monitoring means you won't miss better deals that appear during the process.
Buy-to-let investors. With access to specialist buy-to-let lenders and experience handling rental property mortgages, Better.co.uk works well for landlords, including portfolio lending.
Tech-savvy borrowers. If you're comfortable with online platforms and prefer managing things digitally rather than through phone calls, you'll appreciate Better.co.uk's approach.
Time-poor professionals. Round-the-clock online access means you can progress your application during evenings and weekends, without taking time off work for broker appointments.
Those with very complex circumstances. Multiple income sources, unusual employment, complex tax situations, or large property portfolios might benefit from a specialist broker with deeper expertise in these areas.
People who prefer face-to-face advice. Better.co.uk doesn't offer in-person meetings. If you want to sit down with someone and discuss your options, consider a local broker instead.
Those set on direct-only lenders. If you know you want a product from First Direct, Lloyds, or another lender not on Better.co.uk's panel, you'll need to apply directly.
Very adverse credit situations. While Better.co.uk has specialist lenders on its panel, severe credit issues such as recent repossessions or serious debt problems might be better served by a dedicated adverse credit specialist. If you're worried about problem debt, free and impartial guidance is available from MoneyHelper on 0800 138 7777.
Consider Better.co.uk if:
Consider alternatives if:
Better.co.uk has built a reputation as one of the UK's leading online mortgage brokers. Its combination of fee-free service, wide lender access, and strong customer reviews makes it a compelling option for most borrowers.
Better.co.uk could work well for:
Consider alternatives if:
Better.co.uk won't suit everyone, but for many UK homebuyers and remortgagers, it offers solid value. The fee-free service, wide lender panel, and consistently positive customer feedback make it worth considering alongside other brokers.
Better.co.uk is one of several digital mortgage brokers worth considering. At Money Saving Advisors, we help you compare your choices, including specialist mortgage brokers who search a wide range of lenders.
Common questions
Yes. Better.co.uk (operating as Trussle Lab Ltd) is authorised and regulated by the Financial Conduct Authority. It's also registered with the Information Commissioner's Office for data protection. You can verify its authorisation on the Financial Conduct Authority's Financial Services Register.
For most customers, yes. Better.co.uk doesn't charge a broker fee for standard mortgage applications. However, if you have an adverse credit history, there's a £199 administration fee. You'll still pay normal mortgage costs like lender fees and legal fees.
Its initial eligibility check uses a soft search that doesn't affect your credit score. When you formally apply for a mortgage, the lender performs a hard search which does appear on your credit report. This is the same whether you use a broker or apply directly.
Most straightforward applications receive a mortgage offer within 2-3 weeks. Complex cases may take 4-6 weeks. Getting a Mortgage in Principle is much faster, usually same-day or within 24 hours.
Better.co.uk compares deals across 100+ lenders, giving it access to a wide range of the market. However, it can't access products from lenders who don't work with brokers, such as First Direct and Lloyds Bank.
Trussle rebranded to Better.co.uk in December 2022 following its acquisition by US company Better.com. The service remained essentially the same, just with a new name. In May 2025, Better.co.uk was acquired by UK property platform OneDome.
Yes. Better.co.uk has specialist lenders on its panel who consider applicants with credit issues. However, there's a £199 fee for adverse credit applications, and you'll likely face higher rates than someone with a clean credit history.
No. Better.co.uk is a broker, not a lender. It searches products from other lenders and recommends suitable options rather than offering its own mortgage products.
Yes. Better.co.uk handles buy-to-let purchases and remortgages. It has specialist buy-to-let lenders on its panel and can help both first-time landlords and experienced investors. Most buy-to-let mortgages aren't regulated by the Financial Conduct Authority.
Typically you'll need proof of ID (passport or driving licence), proof of address (utility bill or bank statement), proof of income (payslips, P60, or tax returns if self-employed), and bank statements (usually 3 months). Better.co.uk's portal lets you upload these securely.
You can reach Better.co.uk by phone during business hours (Monday to Friday 9am-6pm, Saturday 9am-4pm), via email, through its website, or using its mobile app. Email is often fastest for general queries.
Often, yes. Better.co.uk searches 100+ lenders, potentially surfacing deals you wouldn't find on your own. Its service is free, it handles paperwork, and it monitors rates throughout your application. Going direct makes sense mainly if you're certain you want a lender that isn't on its panel.
What our clients say
Shortly after I spoke with Anna, she was also very helpful and made it effortless and a nice experience.
Had a really good experience regarding arranging a secured loan. They introduced me to a great advisor. Thanks for the help.
For once a loan transaction without stress and complications. Very impressed and highly recommended.
Thrilled to share my exceptional experience with Money Saving Advisors. The website made it incredibly simple and easy to connect with an advisor. They helped me find the best deal on my remortgage and secured a very competitive interest rate!
Great advice and money saved on mortgage.
I have previously declined a loan of the value I needed from various brokers, but this website found me a reputable broker with surprisingly decent rates.
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