How we make money

Smarter Mortgage Quotes is free for users to access. We do not charge you for using the mortgage calculators, information pages, or callback form.

Where revenue comes from

We may earn a referral fee, commission, or other commercial payment if you use a mortgage adviser or broker partner we introduce. The payment is made to us by the adviser, broker, or their firm under our commercial arrangement with them.

Some links, forms, or calls to action on this website may connect you with a partner that can pay us if you make an enquiry or proceed with their service. We aim to make those introductions clear where they appear.

Commercial arrangements do not affect the calculator results, the general information shown on this website, or your ability to use the site. They also do not mean a mortgage will be available or suitable for you.

What this means for you

• You never pay Smarter Mortgage Quotes a fee for using the site or requesting a callback.
• The mortgage adviser or broker partner may charge their own fee. They should explain any adviser fee, broker fee, lender fee, commission, or other charge before you decide whether to proceed.
• You are under no obligation to use an adviser or broker we introduce.
• Any mortgage product, rate, or fee discussed with an adviser will depend on your circumstances and lender criteria.

How we keep information independent

• Calculator outputs are based on the figures you enter and the assumptions shown with each tool, not on which partner may pay us.
• General guides are written to explain mortgage topics and common considerations. They are not personalised advice.
• We do not present an introduction as an approval, mortgage offer, or recommendation to choose a specific product.

Important disclaimers

• Smarter Mortgage Quotes is an information and introduction service. We are not a lender and we provide general information only and do not make regulated mortgage recommendations on this website.
• Calculator results are estimates only and are not mortgage offers or decisions in principle.
• We do not guarantee mortgage approval, specific rates, savings, or that a broker or adviser will be able to help.
• A broker or adviser partner is responsible for explaining their service, regulatory status, fees, and any recommendation they make before you proceed.

How we handle enquiries

• We do not sell your contact details to multiple lead buyers.
• We do not pass your data to other industries such as insurance, conveyancing, or will-writing unless you have separately agreed to it.
• We do not advertise on the site to third parties using your enquiry data.

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