Imagine getting expert help without paying a penny in broker fees. Sounds ideal, right? Well, that’s exactly what fee-free mortgage brokers offer—and today, I’m sharing with you five outstanding ones from across the UK who do just that.

These brokers combine deep industry knowledge with a genuine passion for helping people. They’ll help you figure out which mortgage works best for your financial situation, connect you with suitable lenders, manage the paperwork, and make the whole experience feel a lot less daunting.

Let’s dive into it.

1. Steel City Mortgages Ltd

📍 Sheffield, South Yorkshire

📅 Established: 2017

📜 Regulated by: Financial Conduct Authority via Stonebridge Mortgage Solutions Ltd

📧 Email: Natalie@steelcitymortgages.co.uk

Steel City Mortgages Ltd is a trusted mortgage and protection adviser based in Sheffield, proudly serving clients across both the local area and the wider UK. The firm offers completely fee-free advice and has built a reputation for delivering clear, empowering guidance tailored to each client’s unique financial situation.

While the business officially became a limited company in 2023, founder Natalie Ellis brings over 22 years of experience to the table. From helping first-time buyers and supporting right-to-buy applications to navigating complex remortgages and buy-to-let investments, Steel City Mortgages covers a wide spectrum of services. They also provide advice on debt consolidation, home improvement financing, and protection insurance.

What sets this firm apart is its boutique-style approach. As a small, dedicated team, they focus on building long-term relationships and delivering truly personalised service—something that’s often lost in larger, high-volume firms.

2. Fees Free Mortgages

While some firms make mortgage advice feel exclusive or complicated, Fees Free Mortgages has taken the opposite approach: keep things simple, accessible, and completely free.

They offer an impressive variety of services—from helping first-time buyers and self-employed individuals to those exploring buy-to-let, new builds, let-to-buy, and remortgaging. They also assist with mortgage protection, which is often overlooked but crucial to long-term financial peace of mind.

What I really appreciate is their emphasis on making expert advice available to everyone. By waiving upfront broker fees, they’ve created a more inclusive and stress-free path to homeownership. Their wide-ranging services and client-first attitude make them a reliable option for people in all sorts of financial situations—especially if you're not quite sure where to begin.

3. MortgagesRM

📍 Sheffield, South Yorkshire

📜 Regulated by: Financial Conduct Authority

📞 01302 361361 | 📧 info@mortgagesrm.co.uk

Another strong presence from Sheffield, MortgagesRM brings a calm, no-fuss approach to what can often be a chaotic process. They specialize in helping first-time buyers, home movers, and property investors find suitable mortgage products—and they do it with a client-first mindset that makes working with them refreshingly simple.

They’re FCA-registered, which is always a must when choosing a broker. What sets MortgagesRM apart is how well they adapt to your schedule and needs. Whether you’re facing tight timelines, navigating complex requirements, or just need someone to talk things through with, they aim to make the entire experience less stressful and more empowering.

By working closely with a variety of lenders, they’re able to secure exclusive deals and competitive rates—helping you land not just any mortgage, but the right one for your long-term goals.

4. First Mortgage

📍 Sheffield Office: First Floor, Enterprise House, Unit 1 Broadfield Business Park, S8 0XF

📞 0114 437 2616

📜 Regulated by: Financial Conduct Authority

If you’re someone who values longevity, reputation, and scale, First Mortgage should definitely be on your radar. They’ve been in the industry for over 25 years and built a rock-solid reputation for providing free, impartial mortgage advice throughout the UK.

Their journey began in Scotland, but they’ve since expanded across the country—including a strong base in Sheffield. With access to over 10,000 mortgage products, they help clients compare deals from a wide panel of lenders while offering guidance tailored to individual circumstances.

What stands out is their commitment to personal service, even at scale. They’ve thrived during economic ups and downs, and a lot of that comes down to how well they care for their clients. If you're looking for seasoned advice with a long track record of success—without paying a fee—First Mortgage is an excellent option.

5. YesCanDo Money Team

📍 UK-wide service

📞 033 0088 4407 | 📧 money@yescando.com

If you’re someone who prefers doing things online but still wants that human touch, the YesCanDo Money Team will feel like a breath of fresh air. They’re tech-forward, totally fee-free, and known for giving honest advice that’s easy to understand—even if you’re brand new to the mortgage world.

From WhatsApp and email to video calls and phone chats, they make it ridiculously easy to connect and get help. Their team compares over 14,000 mortgage products from more than 90 lenders, giving you access to some of the best rates and terms available—no hidden costs, no complicated processes.

Their glowing Trustpilot reviews say it all: people trust them, and they deliver. For busy professionals, remote workers, or anyone who prefers digital-first service, YesCanDo strikes a perfect balance between convenience and quality.

Final Thoughts – Fee-Free Doesn’t Mean Cutting Corners

So, here’s the truth: getting expert mortgage advice doesn’t have to cost you anything upfront. These five fee-free mortgage brokers are proving that value comes from knowledge, service, and care—not from how much they charge.

Whether you're just starting out or already knee-deep in research, I hope this guide gives you a strong foundation to make your next move with confidence. Take your time to explore these brokers, ask questions, and get a feel for who aligns best with your financial goals.

💬 Need a quick tip before you go? Always check that the broker is regulated by the Financial Conduct Authority (FCA)—that’s your green light for trustworthy service. And if you're ever unsure, don’t be afraid to ask questions. A great broker will always make you feel heard and supported.

Happy homebuying! 🏠✨