Back | How it Works

Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier

1Get in Touch

Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.

2Submit Your Application

Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

3Mortgage Completion

Revolution Finance Brokers will finalise the details and enable you to move forward without delay!

Get Started

Back | About

About

Back | Insurance

Business Protection Insurance

Life Insurance

Building Insurance

Home Insurance

Mortgage Repayment Protection

Family Income Benefit

Critical Illness Cover

Back | Calculators

Commercial Stamp Duty

How Much Can I Borrow?

Buy To Let

Bridging Loan

Residential & Commercial Bridging

Mortgage Repayment

Development Finance

Commercial Mortgage

Back | Your Mortgage Position

Your Mortgage Position

Bad Credit

Bridging

Buy to Let

Development Finance

Self Employed

Mortgage for professionals

Equity Release

Expat mortgages

Interest Only

Mortgage Affordability

Mortgage Application

Income Types

Residential Mortgages

Commercial Mortgages

Property Types

Remortgages

First Time Buyers

Mortgage Declined

Offset Mortgage

Other

Back|Bad Credit

Bad Credit Mortgages

Mortgage for Applicants with Bad Credit

Mortgage with Defaults on Your Credit

Buy to Let Mortgage With Bad Credit

Mortgages for Debt Consolidation

Finding a Mortgage with Poor Credit

Mortgage Interest Rates with Bad Credit

Mortgage After Repossession

Getting a Mortgage After Payday Loans

Avoiding Repossession

Subprime Mortgages

Bridging Loan with an Adverse Credit

Mortgage with a CCJ

Mortgage with Credit Card Debts

Adverse Credit Mortgage Online

Self-Employed Mortgage with Bad Credit

Shared Ownership Mortgage with Adverse Credit

Right to Buy as a Bad Credit Applicant

Commercial Mortgages for Bad Credit Borrowers

Deposit Requirements for Bad Credit Mortgages

Finding a Mortgage Offer After Rental Arrears

How Can I Repair my Credit Score to Get a Mortgage?

How Does the Help to Buy Scheme Work for Bad Credit Applicants?

How to Decipher Your UK Credit Reports

How to Qualify for a Mortgage with Zero Credit Score

How to Secure a Bad Credit Buy to Let Mortgage

Is it Possible to Find a Mortgage After Bankruptcy?

Joint Mortgage Applicant Has Bad Credit

Back|Bridging

Bridging Finances

Auction Finance

Fast Bridging Finance

Low-Cost Bridging Loans

Bridging Loans Guide

Bridging Loans for Residential Homes

Bridging Loan at 100% Loan to Value?

Commercial Bridging Finance

Bridging Loan with Adverse Credit

Fast Bridging Finance

Financing a Property Purchase at Auction

Finding Regional UK Bridging Loans

Financing an Auction Property Purchase

Bridging Finance for Land Developments

Long & Short Term Bridging Finance

Bridging Finance on Rental Investments

Bridge to Let Mortgage Borrowing

Using Bridging Finance for Development Projects

Back|Buy to Let

Buy to lets

Buy To Let Mortgages for Expats

Buy To Let Refurbishment Mortgages

Buy to Let Interest-Only Mortgages

Changing Your Mortgage to Buy to Let

Mortgages for Buy to Sell Investments

Company Mortgages for SPVs

Stamp Duty for Buy to Let

HMO Finance

LTD Company Property Finance

Holiday Let Mortgages

Holiday Let Mortgages 80 LTV

Repayment Mortgage for Buy to Let

Buy To Let Mortgages For New Builds

Buy to Let Mortgages Guide for Investors

Buy To Let Mortgage With Poor Credit

Let to Buy

BTL UK Portfolio Mortgages

Portfolio Landlord Mortgages

Property Refurbishment Finance

Best Buy to Let Mortgages: 75% LTV

Buy to let 80% LTV Mortgages

Buy to Let Remortgage

Securing BTL Mortgage Quotes & BTL Agreement

Buy to Let Mortgages for First Time Buyers

Buy To Let Mortgages For Retiree Landlords

Back|Development Finance

Development Finance

Development Finance Explained

Guide to Construction Finance

Development Exit Finance

Why Location Matters in Development Finance Applications

Development Finance for Residential Properties

Finance a Property Development with No Deposit

Development Finance Applications

Development Finance ROI

Checklist of Considerations before you Develop Your First Propertyce

Development Finance FAQs

Lender Criteria for Development Finance

Back|Self Employed

Self Employed Mortgages

Company Director Mortgages

Mortgages for LLPs

BTL Mortgage If You Are Self Employed

Self-Employed Mortgage After 2 Yrs Accounts

Mortgages For Newly Self Employed

Mortgage for Partnerships & Sole Traders

Mortgages for Self-Employed Accountants

Back|Mortgage for Professionals

Social Worker Mortgages

Foster Carer Mortgages

Mortgages for Armed Personnal

Finding a Mortgage for Doctors

Graduate Mortgages

Teacher Mortgage Options

Mortgages for Solicitors, Barristers & Lawyers

Mortgages for UK Professionals

Back|Equity Release

Lifetime Mortgages

Equity Release With & Without Mortgage

Equity Release with a Mortgage

Interest-Only Equity Release Mortgages

Home Reversion in Equity Release Financing

Analysing Equity Release Product Safety

Equity Release as a Retirement Strategy

Repaying an Equity Release Mortgage Early

Back|Expat Mortgage

Expat Remortgages for UK Nationals

Finding a UK Mortgage Broker as an Expat

Expat Mortgages for UK Nationals

Buy To Let Mortgages for UK Expats

Mortgage Calculator Guide for Expats

Back|Interest Only

Interest-Only Lifetime Mortgages

Switching Your Mortgage to Interest-Only

Part Repayment & Interest-Only Mortgages

Repayment vs Interest-Only Mortgages

Interest-Only Mortgage for First-Time Buyers

Secured Interest-Only Home Loans

Interest-Only Retirement Mortgages

Interest Only Mortgages

Repayment Vehicles for Interest Only Mortgages

Back|Mortgage Affordability

Mortgage on 5.5 x Salary

Mortgage on a Single Income

Mortgage with an Overdraft

Mortgages on 4 - 4.5 x Salary

Mortgage based on Salary

Mortgage on a Single Income

Requirements for a £350,000 Mortgage

Mortgages at 6 x Income

Affordability Check for a Mortgage Application

How Do Mortgage Affordability Checks Work?

Back|Mortgage Application

Mortgages for Individuals

Friends or Family Members

VISA Mortgages

Foreign National Mortgage

Multiple Applicant Mortgages

Single Parent Mortgage

Mortgage Application Process

Mortgage Agreement in Principle

Joint Applicant, Sole Proprietor Mortgages

Single Parent Mortgage

Joint Mortgage Applications

Rejected Mortgage Application

Back|Income Types

Mortgage with Non-Mainstream Income

Mortgage on a Temporary Work Contract

Mortgage on a Zero Hours Contract

Mortgages for Part-Time Workers

Mortgage Applications Based on Pension Income

Mortgage Options for Gambling Income

Mortgages for Freelancers & Self-employed

Mortgages for Contractors with Variable Income

Mortgages for Agency Staff Employed Through an Umbrella Company

Back|Residential Mortgages

Back|Commercial Mortgages

Commercial Property Finances

Commercial Mortgages

Property Investment Finance

Commercial Remortgages

Semi Commercial Mortgage

Interest Only Commercial Mortgages

Mortgages For Flats Above Shops

Mortgaging Land Purchases

Portfolio Landlord Mortgages

Mortgages with Bad Credit

Mortgages for Land Investments

Mortgages for Pub Businesses

Large Commercial Mortgage

Bridging Loans for Commercial Mortgages

Mortgages for Large Investments

Commercial Mortgages for B&Bs

Mortgages for Dental Practices

Mortgages for Pharmacies

Remortgaging Commercial Property

Care Home Commercial Mortgages

Second Charge Mortgages

Business Through Mortgage Lending

Deposits on Commercial Mortgages

Hotel Mortgages

Affordability Criteria in Commercial Mortgages

Pros & Cons of Commercial Mortgages

Buy to Let Mortgages for Businesses

Mortgage Terms on Commercial Lending

Asset Finance & Working Capital

Unsecured Business Loans

Business Expansion Finance

Invoice Finance

Partnership Buyout Finance

Hire Purchase

Lease Purchase

Back|Property Types

Mortgage Rates on New Constructions

Timber Framed House Mortgages

Home with Identified Asbestos

Mortgage on a Maisonette

Property with a Deed of Covenant

Mortgages on Non-Standard Developments

Mortgages on Single Brick Properties

Eco-Friendly Home Mortgages

Ex-Local Authority Flat

Flying Freehold Mortgage

Thatched Roof Property

Flat Mortgages for High Rises

Studio Flat Mortgage

Mortgage on a Home with a Flat Roof

Mortgage Survey Undervalues Your Property

Properties in Flood Risk Areas

Mortgage Lending on Homes with Annexes

Steel Framed House Mortgages

Mortgages for Concrete Properties

Mortgages for Leasehold Properties

Mortgaging a Cottage Property

Mortgage for below Market Value

Repossession Property Purchase

Planning Permission for British Properties

Mortgage on a Home Adjacent to Commercial Properties

Back|Remortgages

Back|Mortgage Declined

How To Deal With Having A Mortgage Declined On Affordability

Finding a Solution When You Have Had a Mortgage Declined Post-Valuation

Help for Homebuyers Who Have Had a Mortgage Declined After Agreement in Principle

Tips and Advice on Proceeding If You Get Declined for a Mortgage After Exchanging Contracts

What to Do if You Have Had a Mortgage Application Declined

Back|First Time Buyers

First Time Buyers

Deposit Requirements

First Time Buyer Guarantor Mortgages

Applying for a First-Time Buyer Mortgage

First-Time Buyer Mortgages With a 10% Deposit

Finding a First Time Buyer Mortgage With a 5% Deposit

First-Time Buyer Stamp Duty and Mortgage Costs

Back|Offset Mortgage

How To Find the Lowest Fixed Rates on Offset Mortgages

What is a Flexible Mortgage - And Who is It Best Suited To?

Offset Mortgages Rated - Pros and Cons

Average Rates on UK Offset Mortgages

What Are Cashback Mortgages - and How Do They Work?

Guide to Understanding UK Offset Mortgages

Is a UK Current Account Mortgage Right For You?

Guide to Offset Mortgage Online Calculators

How Family Offset Mortgages Work

Mortgage Reserves - How an Offset Works

Back|Other Mortgages

Second Charge Mortgages

Applying for a Mortgage With a New Job

Mortgages for Uninhabitable Property Purchases

Can I Mortgage a Contaminated Land Investment?

Can I Mortgage a Listed Grade Two Property?

Can I Get a Mortgage While on Maternity Leave from Work?

How Does a Public Footpath Impact My Mortgage Chances?

How Many Mortgage Products Can I Have Simultaneously?

What Deposit Sources are Acceptable in the UK?

What Sort of Homeowner Loan Am I Eligible For?

Complete Guide to the UK Mortgage Process

How Can a Broker Improve My Mortgage Eligibility Assessment?

Find your Ideal MortgageFast

Unsure where to start your mortgage search? Been turned down due to self-employment, bad credit or a variable income? Contact Revolution today for efficient, professional support to get a competitive, secure mortgage offer.

Find Perfect Mortgage deals

Discover What Our Customers

Have to Say!

How Does it All Work?

Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier:

Get in Touch

Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.

Get Started Now!

Submit Your
Application

Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

Get Started Now!

Mortgage Completion

Revolution Mortgage Brokers will finalise the details and enable you to move forward without delay!

Get Started Now!

Independent Whole-of-Market

Mortgage Advice.

Securing an excellent mortgage offer with Revolution Mortgage
Brokers couldn't be easier:

Guidance

Accomplished guidance from independent mortgage experts.

Assistance

Specialist assistance with complex or large mortgage requirements.

Support

Direct support and advice
each step of the way.

Whole-of-market

Whole-of-market access through an
accredited, regulated brokerage.

Frequently Asked

Questions

Securing an excellent mortgage offer with
Revolution Mortgage Brokers couldn't be easier:

Let’s Get Started!

1

Are Mortgage Brokers Worth It?

Mortgage brokers provide an invaluable service to applicants looking for a loan, whether that's a residential mortgage, as a first-time buyer, or a commercial agreement to finance an extensive development.

Revolution Mortgage Brokers offer access to loans that aren't advertised on the open market and consult with every client to provide tailored, independent advice to ensure you make informed decisions about the right lending products, and the right lender, for you.

2

Does It Cost to Use Mortgage Brokers?

Brokerage fees depend very much on what sort of mortgage you're taking out and whether you have any specific requirements.

More complex deals requiring greater negotiation or for a larger value often command more expertise to organise.

Generally, fees range from 0.4% of the loan value and can sometimes be rolled up in the deal, so you don't need to manage separate costs.

However, the rates you'll find through Revolution are frequently more advantageous than through a bank and mean much lower monthly payments - it's a little like finding a wholesale deal as opposed to a retail price.

Free advice from mortgage brokers is usually based on a commission.

A lender pays the advisor to sell specific products, so we'd advise against accepting free advice, as it will usually cost you a lot more in the long term.

3

Is it Cheaper to Get a Mortgage Through a Broker?

It's a common misconception that mortgage brokers make a mortgage more expensive because you'll usually need to pay a brokerage fee, but the opposite is true in the long term!

Investing a small commission in a broker can save a tremendous amount of cost due to:

Access to broker-exclusive deals with better rates than anywhere on the open market.

Inside knowledge about niche lenders or specialist providers who can offer terms tailored to your requirements.

Independent advice when selecting the right lender to apply to or identifying ways to strengthen your application to achieve lower rates.

Professional assistance with compiling paperwork and supporting documentation.

Leverage with negotiations since brokers have established relationships with lenders and can often liaise to agree on better rates, more competitive terms, or get an application over the finish line that a lender may have rejected on a technicality.

Therefore, getting a mortgage through mortgage brokers is often much faster, less stressful, and cheaper since you'll save thousands of pounds (sometimes within a year or two) compared to the costs of applying directly to a mainstream bank.

4

Are Mortgage Brokers Better Than Banks?

If you want to use your regular bank for a mortgage, there is no reason you can't apply.

You will need to meet all the eligibility requirements and have done sufficient research to feel satisfied that your bank offers the best interest rates you're going to find.

However, mortgage brokers will often save you a significant amount of time, energy and expense by recommending specific products with niche lenders who are ideally positioned to provide the funding you need.

Revolution Mortgage Brokers can also provide independent advice about a range of factors, such as insurances, alternative borrowing products and support schemes.

5

Why Use a Mortgage Broker Over a Bank?

As an independent broker, Revolution Mortgage brokers has access to every mortgage on the market, with an extensive range of costs, interest rates and terms.

Using mortgage brokers rather than a bank means you get independent advice about whether the offered interest rates are competitive, any small print terms (such as exit charges) and a straightforward comparison to demonstrate the costs of comparable products.

6

Why Use a Mortgage Company Instead of a Bank?

Banks service most of the mortgage market - but they're far from the only lender out there!

The problem with going directly to your bank is that you have limited options and can only choose from the mortgage products they sell.

In many cases, a bank might turn you down because they have rigid qualification policies.

Mortgage brokers, on the other hand, are service providers acting on your behalf. We don't sell a specific product but listen to your needs and craft a mortgage strategy to meet your aims.

7

Can Mortgage Brokers Get You a Bigger Mortgage?

Often, yes, working with an accomplished broker means you'll be able to borrow more than if you apply directly for your home loan.

That's because we will consult with you first to understand how much you want to borrow, for what purpose, and then select lenders who offer suitable affordability metrics and eligibility criteria to enable you to apply successfully for the required value.

8

What Is the Difference Between a Mortgage Banker and a Mortgage Broker?

A mortgage banker is different from a broker because they usually represent one bank or institution, use their own funds, and provide underwriting services and approvals.

Mortgage brokers are different because we act as intermediaries, scouring the market for the best products, negotiating terms on your behalf, and facilitating a smooth application process.

A broker isn't directly lending you money. As a whole-of-market broker, Revolution can recommend any bank, niche lender or mortgage provider we think is the right solution for your mortgage needs.

9

Are Mortgage Advisors Free?

Some mortgage advisors work on lenders' commission, and therefore offer free advice.

This charging structure is best approached with caution since a commission-based advisor is paid to sell that lender's products to you, not make independent recommendations about the deal that is in your best interests.

The most reliable way to find free advice is to browse the extensive catalogue of mortgage guides available on the Revolution Brokers website.

We publish information about everything from improving your credit score to government mortgage support schemes, and all guides are openly available without any subscription or registration.

10

Is it Worth Using a Mortgage Advisor?

There are several compelling reasons to use a mortgage advisor - and a broker can be worth their weight in gold if you're struggling to find a mortgage or need professional support in negotiating rates to minimise your mortgage costs!

While you can search for a mortgage yourself, you have access to a tiny fraction of the market.

Many niche lenders offer broker-exclusives but don't manage applications directly.

A mortgage advisor can advise on deals that will save you thousands of pounds and be highly competitive compared to generic products on the high street.

11

What Does a Mortgage Advisor Need for a Mortgage?

Every mortgage is unique to the borrower, so the documents or information needed will vary.

The basic information to get started with your mortgage application includes:

Photo ID to verify your identity.

Utility bills to confirm your postal address.

Current bank statements and/or credit and debit card statements.

Once you proceed to a full mortgage application, there are several other details a lender will need to approve your loan - that might include trading accounts for a self-employed mortgage or rental income projections for a buy-to-let mortgage.

12

How Much Will a Mortgage Advisor Charge?

The exact rates you can expect to pay a mortgage advisor depend on the type of mortgage you're applying for and how much you wish to borrow.

For example, a complex commercial bridging loan to invest in a large-scale development, combined with a mortgage solution exit strategy, will require substantially more work and negotiation than a straightforward residential mortgage.

Costs also depend on the mortgage lender you choose but typically start from 0.4% and go up to 1% of your loan.

Please get in touch for a no-obligation quote to ensure you understand what charges to expect (and how much you will save in return, through professional advice and negotiation services!).

13

Can Mortgage Brokers Get Better Rates?

A mortgage broker can undoubtedly reduce the rates you'll pay on your mortgage, but interest rates are just one element of the cost of a mortgage - other factors include:

Arrangement fees

Product costs

Exit penalties

Revolution will compare product costs on a like-for-like basis (even if the fee structures are very different.

This service ensures you not only have the benefit of an experienced broker negotiating your rates directly with your lender but can also make informed choices about which mortgage offer is right for you.

14

What Is the Difference Between a Mortgage Advisor and Broker?

A mortgage advisor is a professional qualified to deliver advice and help you find the best mortgage.

If you work with an in-branch mortgage advisor, please be aware that they are not independent and will only advise on the products the bank offers.

Mortgage brokers perform very similar tasks, but a whole-of-market, independent broker such as Revolution will support your mortgage application at every step of the way, negotiating rates, liaising with lenders and checking your documents for completeness and compliance.

15

Should I Speak to Multiple Mortgage Brokers?

The best option when selecting your mortgage broker is to work with one advisor who is independent and whole-of-market.

Limited brokers can only offer products they are authorised to sell, which means it is beneficial to work with several professionals and ensure you don't miss out on a deal exclusive to one broker.

However, it's wise to approach this with care.

Although you can gain leverage by negotiating with several lenders, if you use multiple brokers at once, it can mean that you submit too many applications, receive a deluge of correspondence, and end up with credit enquiries that damage your credit score.

15

Can Mortgage Brokers Get You a Bigger Mortgage?

Often, yes, a mortgage broker can help you secure a larger mortgage value, even if another lender has turned you down.

Mortgage limits depend on a vast amount of variables, such as:

The calculation method that the lender applies to your annual income.

How they treat variable earnings such as commissions, bonuses and overtime.

Specific lender policies relating to minimum incomes, age limits and credit scoring.

The best way to apply successfully for a bigger mortgage is to work with a whole-of-market broker.

We can compare qualification criteria and policies of any UK lender, and therefore signpost your application to mortgage providers who will approve your required loan.

17

When Should You See a Mortgage Advisor?

It is advantageous to see a mortgage advisor any time you are making decisions about mortgage finance.

For example, if you're buying a new property, remortgaging, interested in refinancing onto a different loan product, or simply want to see what rates are out there, an advisor can help.

Mortgage advisors will save you a considerable amount of time and effort researching the mortgages on the market and usually ensure you get a more competitive deal.

18

What Will a Mortgage Advisor Ask Me?

Revolution always advises clients to be wary of working with a mortgage advisor who doesn't ask about your circumstances before making recommendations.

It is essential to understand your requirements, situation, affordability and current borrowing to ensure the advice given is tailored and specific to your needs.

Our team will ask about your income and expenses, your home or the property you wish to buy, your income source, credit history and overall aspirations for the mortgage application process.

Show less

Latest Articles

Mortgages
The Second Charge Mortgage Process for New Applicants

Walk through the second charge mortgage process step-by-step with a comprehensive guide to first-time second charge mortgage applications...

28 Jun 2023*6 min readRead more

Read more
Mortgages
Understanding Owner-Occupied Commercial Mortgages: A Comprehensive Guide

Before applying for any owner-occupied commercial mortgage, it is important you understand all the necessary information about the lending, and potential alternatives, to make info..

24 Jun 2023*6 min readRead more

Read more
Mortgages
What Projects Will Second Charge Mortgage Lenders UK Accept?

Understand the types of projects and costs you can finance with a second charge mortgage – and why your plans might matter to your second charge lender!..

24 Jun 2023*6 min readRead more

Read more

Latest Posts

Mortgages
Where are the Best Areas In the UK For Buy-to-Let Investors In 2023?

Are you pondering the possibility of embarking on a journey into the world of buy-to-let investments in the UK during this year of opportunity? If such contemplations reside within your mind, prepare yourself for an exhilarating odyssey! In..

16 Nov 2023*6 min readRead more

Read more
Mortgages
What Lies Ahead for UK House Prices in 2023?

Over the past two decades, the UK has witnessed an astounding surge in house prices, with the average home value skyrocketing by a remarkable 207%. This phenomenal growth was primarily fueled by demand consistently outpacing supply. For con..

03 Nov 2023*6 min readRead more

Read more
Mortgages
Understanding the UK Housing Market in 2023 - Are House Prices Set to Fall?

In the last twenty years, the UK housing market has witnessed an extraordinary surge, with house prices skyrocketing by an astonishing 207%. This remarkable growth was primarily driven by consistently exceeding demand over supply. Commencin..

31 Oct 2023*6 min readRead more

Read more

Explore Our Presence

Securing an excellent mortgage offer with Revolution Finance
Brokers couldn't be easier:

Revolution Mortgage Brokers:100% 100%

Independent & Whole-of-Market

As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

About our whole market brokers

Refer, Relax

andget £50

If you refer a friend for a mortgage or anytype of finance you’ll both receive £25 each when their new application successfully completes.

Know more!

We are proud
members of the:

Ask the Expert

Mortgage Brokers

Revolution Mortgage Brokers understands that mortgages can be complex and confusing! Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.

Get Started Call 0330 304 3040 Mon - Fri: 9am - 6pm

Find out more about us

Find your Ideal MortgageFast

Discover What Our Customers

Latest Articles

Latest Posts

Explore Our Presence

Explore Our Presence

Refer, Relax

Ask the Expert Mortgage Brokers

Contact

Social

Ask the Expert

Mortgage Brokers