Benefits of Online Mortgage Applications
Applying for a mortgage online is all about speed, convenience and clarity. No faff. No need to book meetings or take time off work. Most online brokers let you compare deals from a wide range of lenders in minutes, making it easier to find a mortgage that fits your life.
Required Documents and Information
To speed things up, gather these before you apply:
- Photo ID (passport or driving licence)
- Proof of address (a recent bill or bank statement)
- Payslips or tax returns if you’re self-employed
- Bank statements (usually last 3 months)
Having these ready helps avoid delays and keeps things running smoothly.
Choosing the Right Online Mortgage Broker
Not all brokers are built the same. Choose one that’s regulated by the FCA, offers real human support, and is upfront about fees. It’s also worth checking Trustpilot and Google reviews. See what other people are saying – look out for consistent praise for customer service, clarity and ease of use. Your future self will thank you.
Common Pitfalls to Avoid
It’s tempting to dive in – but hold off on hitting ‘apply’ with multiple lenders. That can hurt your credit score. Also, watch out for ‘representative’ rates that don’t apply to your circumstances. And make sure you read the small print: early repayment charges, hidden fees, or time-limited offers can all be sneaky. If in doubt, talk to a broker (yes, even online ones have humans!).
Will Rhind
CeMAP 1,2 & 3, (J07) Supervision in a regulated environment
Will heads up the Advice area of Habito. He's also responsible for quality assurance - making sure we provide a fantastic experience, great advice and ultimately help people find home!
