About Smarter Mortgage Quotes

Smarter Mortgage Quotes was built to make UK mortgage calculations and decisions easier to understand. We provide simple mortgage calculators, plain-English guides, and the option to request a callback from a mortgage adviser or broker partner.

What we do

• Free UK mortgage calculators — repayment, borrowing, remortgage, BTL yield, overpayment, self-employed.
• Plain-English mortgage guides covering the questions UK borrowers actually ask.
• A short callback request form that routes to one authorised mortgage adviser or broker partner.

What we’re not

• We’re not a lender.
• We provide general information only and do not make regulated mortgage recommendations on this website.
• We don’t fabricate live lender rates or guarantee approvals.
• We don’t share your details with multiple lead buyers.

How introductions work

If you ask for a callback, your details may be shared with a single mortgage adviser or broker partner. They’ll explain their service, any fees, and whether they can help before you proceed.

How we are regulated

FCA registration number: TBC. Where an adviser or broker partner provides regulated advice, check their FCA status before proceeding.

Smarter Mortgage Quotes is an information and introduction service. We are not a lender and we provide general information only. We do not make regulated mortgage recommendations on this website, and calculator results are estimates only.

When you submit an enquiry, we may introduce you to a mortgage broker or adviser partner. Any personalised mortgage recommendation should come from an FCA-authorised adviser after they have reviewed your circumstances.

Before you proceed with an adviser or broker partner, they should explain their regulatory status, the scope of their service, any fees, and how they are paid. You can check firm details on the FCA Register.

Your home may be repossessed if you do not keep up repayments on your mortgage.