Mortgage Bazaar

Mortgage Bazaar: independent mortgage advice for the UK property market

Mortgage Bazaar is a mortgage brokerage registered in England and Wales as Mortgage Bazaar Limited (company number 16533005). Its advisers present themselves as FCA regulated and the firm operates as an Appointed Representative of Sesame Limited, which is authorised and regulated by the Financial Conduct Authority (FCA reference number 1055765). The brokerage positions itself as an independent adviser working across the UK market, from London to rural areas, and describes its client base as ranging from first-time buyers to experienced commercial property investors.

Mortgage categories handled

The service list is organised by borrower profile and by transaction type. For purchasers, the firm covers first-time buyer schemes and guidance, shared ownership schemes, mortgages up to 100% loan-to-value under certain conditions, and skilled worker visa mortgages aimed at UK homebuyers on that route. For existing owners it handles remortgaging, including rate comparisons, early repayment advice and product transfers, as well as portable mortgages for those moving home.

Investors are served through buy-to-let products, with specific lines for portfolio landlords, limited company BTL, holiday lets and HMOs. Self-employed clients have dedicated options covering sole traders, limited company structures and lenders with flexible criteria. The brokerage also lists bridging loans, references to tax experts, and mortgage protection products such as life insurance, critical illness cover, income protection and buildings insurance.

Lender panel and stated performance

The site describes relationships with a lender panel it puts at more than 80 lenders in its headline claims, while the about section refers to over 200 lenders. It presents this network as the basis for comparing products and rates on the client's behalf. Among the figures the firm advertises are a 90%+ application approval rate and an average processing time of 14 days, alongside claims of being award winning and trusted by thousands of homebuyers across the UK.

How the advice process works

The brokerage outlines a four-stage route: an initial free, no-obligation consultation to understand finances and goals; a market search across its lender network; management of the application paperwork and liaison with lenders; and work towards a formal offer with updates along the way. A quick mortgage calculator on the site produces an illustrative monthly repayment figure based on property value, deposit, term and interest rate, and the firm notes that a personalised quote requires speaking to an adviser.

Fees and regulatory warnings

Mortgage Bazaar states that it usually charges a fee for mortgage advice, with the amount depending on the client's needs and circumstances and agreed at the earliest opportunity. The site carries the standard warnings that a home may be repossessed if repayments are not kept up, and that property may be repossessed if other debts are secured against it. The registered office is in West Malling, Kent.