The Free Online
Mortgage Broker

A mortgage broker is a regulated professional who can help you find and arrange a mortgage that is suited to your needs. Rather than approaching lenders one by one, a mortgage broker can compare mortgage products across the entire market and will recommend options based on your income, deposit, credit profile, and long-term plans.

At Boon Brokers, our dedicated mortgage brokers will support you throughout your entire mortgage journey. We help you understand how much you could borrow, what is involved in submitting your application, and ultimately how you can secure a mortgage that matches your needs.

Want to learn more about the role a mortgage broker can play in helping you secure your mortgage? Read our guide on how a mortgage broker can help you.

Boon Brokers is able to offer a free service to our clients because we are paid by the lender once a mortgage completes. This payment structure is known as a procuration fee and is standard practice across the mortgage industry.

While some other mortgage brokers may also charge their clients in addition to this procuration fee, we at Boon Brokers believe that mortgage advice should be free to everyone, allowing you to focus on securing the perfect mortgage.

Find out more about how our free mortgage service works.

Mortgage brokers are usually paid by the lender after a mortgage completes, rather than directly by the customer. This payment, known as a procuration fee, allows brokers to research suitable options, provide advice, and support the application process without relying on client fees.

However, some firms may also choose to charge an additional fee alongside this payment for their services. At Boon Brokers, we do things differently. Our business model is designed so clients can benefit from professional mortgage guidance and ongoing support completely free of charge.

For a deeper dive into how broker payments work across the industry, read our guide on mortgage broker costs.

Yes. Boon Brokers is approved by the FCA and benefits from whole-of-market access. This means that we can help all of our clients by finding and comparing mortgage products from a wide range of UK lenders, rather than being restricted to only a small list of lenders.

Yes. Boon Brokers is directly authorised and regulated by the Financial Conduct Authority (FCA).

FCA regulation ensures that all mortgage advice meets strict consumer protection standards. We are required to recommend suitable products, communicate clearly about costs and risks, and treat every client fairly throughout the mortgage process.

All of Boon Brokers advisers hold the required UK qualifications to provide regulated mortgage advice. This includes the Certificate in Mortgage Advice and Practice (CeMAP) or an equivalent qualification.

Alongside formal certification, our brokers also complete ongoing professional development to ensure they are up-to-date on all current lender policies, market changes, and regulatory updates.

While going directly to your bank might feel like the safe option, the truth is that banks can only recommend their own mortgage products, even if another lender may offer a more suitable option. The massive advantage of using a mortgage broker is that we can compare mortgage products across multiple lenders, focusing on finding a solution that best matches your requirements and costs. In addition, by working with Boon Brokers, we will also help manage your mortgage application from start to finish. This includes processing your mortgage application as well as communicating with lenders on your behalf, helping to avoid delays and common issues.

You can learn more about the benefits of using a mortgage broker in our free article: Should I Use a Broker or Go Direct?

The bottom line is that mortgage brokers can vary in how they operate. Some may choose to charge advice fees, while others work from limited lender panels or provide minimal support once an application has been submitted.

Here at Boon Brokers, our dedicated experts combine whole-of-market access with a fee-free approach and ongoing support from enquiry through to completion. Our focus is on clear advice, transparency, and long-term relationships rather than a one-off transaction.

If you are in the process of weighing up your options, read our free guide on how to choose a mortgage broker.

Yes. Boon Brokers is an online mortgage service that provides mortgage advice to clients across England, Wales, and Scotland through phone and online appointments.

Modern mortgage applications can be completed remotely, allowing us to offer the same level of service no matter where you are based. Documents, updates, and communication are handled securely online, and all of our processes have been made simple for the ultimate client convenience.

Yes. At Boon Brokers, you will be assigned a dedicated mortgage broker who manages your application from start to finish. With a one-to-one service, your adviser will prepare and submit your application, liaise with lenders, and keep you updated throughout the process, helping everything progress as smoothly as possible.

We believe that working with the same broker throughout allows you to build a relationship with someone who understands your circumstances and goals. This helps ensure that you will always have a familiar point of contact for questions, future remortgages, or any changes you may wish to make later on.