Mortgages made refreshingly simple
Clear, friendly advice for first-time buyers, home movers and landlords. We compare 90+ lenders, handle the paperwork and keep you posted at every step, so you can get on with moving in.
Access to leading UK lenders
- Halifax
- Barclays
- NatWest
- Santander
- Nationwide
- HSBC
- Virgin Money
- Skipton
- Coventry
Advice for every stage of the journey
Whatever you are trying to achieve with your home or finances, there is a plan for it. Here is where most of our clients start.
First-time buyers
Step-by-step guidance from deposit to keys, with lenders matched to your situation.
Learn moreMoving home
Porting, borrowing more or starting fresh, we keep your move on schedule.
Learn moreRemortgaging
Coming to the end of a deal? We review the whole market to cut your rate.
Learn moreBuy-to-let
Landlord finance that stacks up, whether it is your first rental or your fifteenth.
Learn moreProtection & insurance
Life, income and critical illness cover so your family stays secure.
Learn moreLater-life lending
Equity release and retirement options, explained clearly and calmly.
Learn moreAdvice that puts you first, not the lender
We are independent, which means we work for you. No branch targets, no favourite banks, just the deal that genuinely fits your life.
- Whole-of-market searchWe compare over 90 lenders to find your best fit.
- One adviser, start to finishA named expert who knows your case inside out.
- Evenings & weekendsWe work around your schedule, not office hours.
- Clear, upfront feesYou always know exactly what to expect.
of clients would recommend us to friends and family
Three simple steps to your mortgage
Free consultation
Tell us where you are and where you want to be. We listen first, then map out your options in plain English.
We find your deal
We search the whole market, crunch the numbers and recommend the mortgage and protection that fit you best.
We handle the rest
From application to completion, we manage the lender and paperwork and keep you updated the whole way through.
People who trusted us with their move
As first-time buyers we were completely lost. Fernbank explained everything, found us a brilliant rate and got us moved in weeks.
My remortgage was saving me nearly two hundred pounds a month before I’d even finished my coffee. Honest, fast and genuinely helpful.
I’ve used Fernbank for three buy-to-let purchases now. They understand landlords and always find lenders others say aren’t possible.
Clear about money, from the first call
You should never be surprised by a fee. We explain exactly how we are paid before you commit to anything, and we put it in writing.
We receive a procuration fee from the lender when your mortgage completes. Where a broker fee applies to your case, we confirm the exact amount upfront.
Your first appointment costs nothing and carries no obligation whatsoever.
Any broker fee is confirmed before you proceed, never after.
Our insurance and protection recommendations are free; we are paid commission by the insurer.
Frequently asked questions
We are upfront about fees from the very first conversation. Many of our cases are arranged with no broker fee at all, and where a fee applies we tell you the exact amount before you commit to anything.
As a whole-of-market broker we compare more than 90 UK lenders, including deals you cannot get by walking into a single bank.
Absolutely. We work with self-employed clients, contractors and company directors every week and know which lenders take a sensible view of your income.
Fill in the callback form and a named adviser will be in touch within one working day, often the same day. Evening and weekend appointments are available.
Let’s find your best deal
A short, friendly chat is all it takes to see what you could save. No jargon, no pressure, just clear advice.