Head of Content
Mortgage Advisor & Director
Do you need an online mortgage advisor? You're in the right place! Our brokers are whole-of-market and are happy to work through online channels if that’s your preference. Read on to learn all you need to know about our services.
What is an online mortgage advisor?
An online mortgage advisor is a type of broker who arranges mortgages mainly through online channels, such as email, web chats and video calling.
At Teito, we are keen to offer this service to customers whose personal preference is to receive their mortgage advice online and complete most of the application process this way.
Our brokers can also advise on, and arrange, mortgages through other mediums, such as over the phone and face-to-face, where possible. We’re all about customer choice!
How to get started with your advisor
You can connect with one of our mortgage brokers online by filling out our quick form here.
It takes no more than a minute and one of our advisors will soon be in touch to offer you a free, no-obligation chat about your plans. We don’t charge a fee upfront.
You don’t need to do much prep for your appointment either, as your advisor will walk you through the next steps and explain everything you need for a full application. It can, however, make things move along quicker if you have the following documents to hand:
- Proof of ID
- Proof of address
- 3 months’ bank statements
- 3 months’ payslips
Having the above prepared before your appointment means your Teito broker could help you secure an agreement in principle in minutes, if you are ready to take that step.
Services our brokers can provide
Our online mortgage advisors are whole-of-market, which means you can access every lender in the UK through them. Here is a full breakdown of what they can offer you:
- Access to every UK lender, including broker-only lenders
- Access to exclusive mortgage deals that aren’t available to the public
- Bespoke, independent advice about your mortgage options
- Specialist expertise in niche areas, including bad credit and self-employed mortgages
- Advice on optimising your credit reports ahead of application
- Help with the application process from start to finish
Speaking to a mortgage broker before you apply for home finance is recommended as their knowledge, expertise and lender contacts can save you time and money in the long run.
Areas of expertise
Our mortgage advisors have a wide range of expertise and can help customers who falling into a variety of different categories, including niche areas such as:
- First-time buyers
- Remortgages
- People with bad credit
- Self-employed professionals
- Commercial mortgage applicants
- Buy-to-let landlords
- Later life lending (including equity release)
- Protection insurance
Teito prides itself on having experts for every field within the mortgage market, so even if the advice you need is for something very niche, such as a self-build mortgage or expat borrowing, get in touch and we’ll ensure the right member of our team picks up your case.
Speak to an expert mortgage advisor online today
Our customer reviews
Our online mortgage advisory service is rated excellent on leading review websites including Google, Trustpilot and reviewcentre. Teito regularly receives 5-star ratings from satisfied customers on these platforms, as does our sister company, Echo Finance.
In addition to earning glowing reviews from our valued clients, we have also been recognised by our industry peers for providing a gold standard service. In 2023, we were nominated for ‘Best Large Broker’ at the TMA Awards.
Success stories
Head over to our Case Studies page to read about some of our recent customer success stories. These were written by our online mortgage brokers, with all of their client's personal details removed to maintain their anonymity.
Recent success stories include:
- Securing a mortgage for a first-time buyer with a complex deposit
- Helping a homeowner consolidate debt when remortgaging
- Arranging a secured loan for a customer with credit problems
- Arranging a bridging loan for a client who was buying at auction
We will be adding to our case studies page all the time, so be sure to check back soon for more customer success stories like these.
How we helped a first-time buyer with a complex deposit onto the property ladder
How much its costs
You can receive online mortgage advice from us for free during your initial consultation with one of our brokers. There’s no obligation to take things any further than that, but if you choose to proceed, there will be a broker fee to pay at the end of the process.
The amount you are charged will be a small percentage of the mortgage amount, with the exact cost depending on how complex your case is. For example, if you have severe bad credit, it may take longer to get your mortgage approved and mean higher broker fees.
Your mortgage broker will be fully transparent about the overall cost involved during your free, no-obligation chat, and you won’t pay a penny until the end of the process.
Why use an online mortgage advisor?
One of the main reasons people choose to receive their mortgage advice online is speed and convenience. Our brokers are more than happy to carry out your initial consultation as a web chat and take care of the bulk of your application through other online channels.
Not only can you receive your advice from the comfort of your own home, you don’t have to lift a finger while your advisor sources the best mortgage deals for you.
Here are some of the other benefits of using one of our brokers:
- You can access all of the market, including exclusive rates and deals
- Your credit report won’t be affected
- Our brokers can offer expert advice whatever your circumstances
- Our advisors all hold CeMAP or equivalent qualifications
Are you ready to speak to a mortgage advisor online? Fill out our quick form and one of our brokers will be in touch for a free, no-obligation chat about your mortgage options.
FAQs
You can always source your mortgage yourself online, and Teito gives you the option to do that. You can view rates and deals from across the market for FREE on our service, choose the one you want in real-time, and a member of our team will fast-track your application.
While some of our competitors are drawing out the mortgage process by adding unnecessary steps to it, we are streamlining it. By sourcing your own mortgage, you can potentially secure an agreement in principle in minutes, and we will be on hand to make sure everything goes smoothly from that point on.
Choosing an Adviser
Selecting a qualified and experienced mortgage adviser is of great importance. To choose a suitable adviser, evaluate their qualifications, experience, and reputation, and ensure they are regulated by the Financial Conduct Authority (FCA).
Read reviews from previous clients and make sure they provide a clear explanation of the products and services they offer, as well as the fees and charges associated with them.