We compare mortgages from 100+ lenders with 1,000’s of options available.

With access to the whole of market, we are not tied to any lender, so you can be sure the information you receive is completely unbiased and with your best interests at the very heart of our advice.

We don't charge a broker fee!
Saving you up to £995*

At Prosperity Mortgages we do not believe in charging our clients a broker fee for our service. In the UK, mortgage advisers are typically paid a procuration fee (commission) from the lender you take your mortgage through, which means we still get paid but don’t charge you a fee for arranging your mortgage.

*Based on the maximum broker fee we could choose to charge being £995

£0 Broker Fee

Save up to £995 in broker fees by using Prosperity Mortgages.

Get Started

Get ready for a smooth & stress-free process.

From a wide range of financial products tailored to your needs to an extensive network of advisors nationwide. We design solutions, based on your specific needs, so you can achieve your goals with confidence.

Mortgage Types

First-Time Buyer

Buying your first home is an exciting milestone, but it can also be a daunting process. We’re here to guide you through the entire process of securing a first-time buyer mortgage, from finding the right deal to getting the keys to your new home.

Home Mover

Moving home can be an exciting but stressful time, especially when it comes to finding the right mortgage. But don’t worry, we’re here to help!


Looking to invest in property and become a landlord? Our buy-to-let mortgages are tailored to meet your needs, whether you’re a seasoned investor or just starting out. Let us help you make the most out of your investment with our expert advice and competitive rates.


If you’re approaching the end of your current mortgage deal, a remortgage could be the solution for you. Contact us today to learn more about remortgaging options.

Bad Credit

We believe that everyone deserves a chance to own their dream home, regardless of their credit history. That's why we specialise in providing bad credit mortgages, tailored to individuals who have faced financial challenges in the past.

Equity Release

Equity release allows homeowners, typically those aged 55 and older, to access a portion of the value tied up in their property without having to sell or move out. It provides a way for individuals to release funds from the equity to use as income, cover expenses, or fulfil other financial needs.

Expect Better ✳︎

Wherever you are on the ladder, take your next steps with us

Fill out a few basic details below and one of our expert advisers will be in touch!

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4 Simple Steps For Achieving Peace of Mind

Getting to know you...

At a time that suits you, we’ll arrange an appointment – either face-to-face, by video call, or over the phone, whichever you’re most comfortable with – so we can get to understand your circumstances and needs in more detail.

We search the whole of market.

Now we know a bit more about you and what you want, we’ll search our panel of lenders for the right mortgage. We’re a whole of market broker, which means we’re not tied to one particular lender and have access to the best products from a range of banks, building societies and specialist lenders.

We’ll make our recommendation...

Having found the right mortgage for you, we’ll talk you through it and explain all the features and benefits and how it meets your needs.

With you every step of the way!

Our dedicated team will be with you all the way through the process – from application to completion. Here for whatever you need, whenever you need it.

FAQs - Mortgages

A mortgage is a type of loan that allows you to buy a house. There are several types of mortgage products available, so you can get the right one for your situation.

When applying for a mortgage, you need to put down a deposit, which is a percentage of the property value. This gives lenders an element of trust to borrow you the remaining amount that’s needed to purchase the property.

If you want to get on the property ladder, a mortgage is usually the best option, unless you’re able to save up the amount to buy a house outright.

A fixed-rate mortgage maintains a constant interest rate throughout a specified period, providing predictable monthly payments for the duration of the term.

In most cases a 10% deposit of the property value is required, however, it is possible to get on the property ladder with a 5% deposit. There are plenty of benefits to saving a bigger deposit, they are:

  • Cheaper monthly payments – the less you borrow, the less you back
  • Better mortgage rates – lenders give better mortgage rates for those with higher deposits
  • More chance of getting accepted – lenders perform affordability checks, and the higher your deposit the less your monthly payment will be
  • Lower risk – if your property equity falls, there’s less chance of you owing the lender in the long term

Yes, you can still get a mortgage with bad credit. You may not get access to the most competitive rates, but it’s definitely still possible. Lenders will look at your payment history, so any missed payments or CCJs in the past will work against you.

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