How we introduce you to a broker
When you send an enquiry, MortgageExplained passes your details to a regulated mortgage broker who is authorised by the Financial Conduct Authority. The broker contacts you, gives regulated advice, and arranges the mortgage if you choose to proceed. The introduction is free; the broker may charge a fee or earn lender commission, and must tell you which before you commit.
Step by step
- 1. You send a short enquiry telling us your situation. No credit check, no obligation.
- 2. We introduce you to a regulated mortgage broker and tell you who they are.
- 3. The broker contacts you, discusses your circumstances and gives regulated advice.
- 4. If you are happy, the broker arranges the mortgage with a suitable lender.
Our broker partner
We introduce you to a regulated mortgage broker authorised and regulated by the Financial Conduct Authority. The firm's name and FCA reference number are confirmed to you as part of the introduction. We choose partners on the basis of whole-of-market or broad-panel access and a clear fee disclosure, so that complex-income cases in particular reach a lender that can actually help.
Being honest about incentives
We may receive an introduction fee from the broker. That never increases the rate or fee you are offered. We tell you this because you should know how we are funded. The advice you receive is the broker's, given under FCA rules, not ours.
Common questions
Who is the broker?
We introduce you to a regulated mortgage broker authorised and regulated by the Financial Conduct Authority. The specific firm name and its FCA reference number are shown to you as part of the introduction, before you share any detailed information.
Do I have to use them?
No. An introduction is not a commitment. You can speak to the broker, take the information away, and decide. You are free to use a different broker or go direct to a lender.
Will it affect my credit file?
Simply being introduced does not affect your credit file. A credit search only happens later, with your consent, when you choose to proceed with a specific lender through the broker.
What does it cost?
The introduction itself is free. The broker may charge a fee for their advice, or be paid by commission from the lender, or both. They must tell you their charges clearly before you commit to anything.
Founder, MortgageExplained, MortgageExplained
Adam spent nearly a decade as a mortgage adviser at Just Mortgages, with further experience in commercial finance. He is CeMAP and CF qualified. He built MortgageExplained to do one thing well: explain mortgages in plain English, then introduce you to a regulated broker when you are ready. Every page is written and reviewed by Adam.
Last reviewed: 29 June 2026