Coming soon The MRTG app lands July 2026. Join the waitlist
MRTG.
Brand new · UK · FCA regulated Pronounced "mortgage"

Your mortgage. In your hands.

Stay in control. Get expert advice. Everything in one place.

See what you can borrow → How it works
Fees Zero. Ever.
Coverage Whole of market
Advisers Named. Dedicated.
9:41
Morning, Aliyah.Three things left today.
AK
Mortgage readiness
73%
We'll handle the chasing for you.
73
Affordability check
Up to £348,000 · 5.4× income
Done
3 payslips
We'll pull these from your bank
Auto
Sam, your adviser — Thu 4pm
Only if you want it
Optional
Continue →
Home
Docs
Chat
Me
01 / The deal

Three numbers. That's the pitch.

Most brokers get paid twice. By you and by the lender. We removed one of those.

A · Fees
£0

No broker fees. No application fees. No "we'll review your file" fees. Ever. We're paid by the lender when your mortgage completes — same as any whole-of-market broker, just without the bit you used to pay.

B · Lenders
90+ lenders.

One application. Access to over 90 lenders. We do the searching, so you don't have to.

C · Advisers
Real people.

A qualified, CeMAP-certified adviser reviews every recommendation before it reaches you. You see their name. You can call them. They have to sign their work.

02 / How it works

Nine steps. No paperwork.

It starts as a few questions on your phone and ends with a mortgage application — every step in one place, with a real adviser running the regulated part. You don't chase, you don't fill in forms, and nothing happens without your say-so.

MRTG.SO01 / 09
Download the App
03 / Calculator

How much could you borrow?

A rough estimate, free, no email required. Real recommendations come with the income and spending we actually verify — but this is a start. Move the sliders.

Annual income · gross £64,500
£20k£250k
Deposit £42,000
£0£500k
Monthly commitments £350/mo
£0£3,000
Term 30 yrs
You could borrow up to
Live estimate
£348,000

Based on an average of 4.5× income. With your deposit, you could be looking at homes up to £390,000.

Estimated stamp duty £0
Stamp duty shown for England & Northern Ireland. Scotland and Wales differ.
Get my real number → How we work it out

Indicative only · Not a credit decision
Real offers depend on credit, spending and lender criteria

04 / The app

The whole thing, in your pocket.

Status visible. Numbers honest. Nothing waiting on someone calling you back. The mortgage stays in one place — yours.

01 Landing
02 Welcome
03 Chat
05 / Advisers

People who'll sign their work.

Every recommendation that reaches you has a name on it. Not "a member of our team." Not "your dedicated specialist." A person, qualified, and on the line for what they recommended.

SO
Sam Okafor
Senior adviser · 9 yrs

"Most of what I do is take the bank's "no" and find you a "yes" somewhere else. The numbers are the same. The match isn't."

CeMAP · CertMAPMRTG/A·047
PD
Priya Dhillon
Adviser · First-time buyers

"First mortgage? You're going to hear a lot of jargon. My job is to make sure none of it comes from us."

CeMAP · CertMAPMRTG/A·031
JM
Jack Murray
Adviser · Remortgage

"Your current rate ends in six months. Mine's to find out, two months before, whether you should switch — and to tell you when the answer is no."

CeMAP · CertMAPMRTG/A·062
06 / Why MRTG

We sound like a friend. Not a bank.

We don't say "journey" or "solution" or "homeownership goals." We say things you'd say out loud. If we can cut a word, we cut it.

We say

"You could borrow £348k. Want to see what that looks like?"

Affordability · result moment
Not

Based on the information provided, your maximum borrowing capacity is approximately £348,000.

22 words for 13
We say

"That bank's connection is down. Try again in 5, or upload your payslips yourself."

Always offer the next move
Not

An unexpected error occurred. Please try again later or contact support.

Blames the user · no alternative
We say

"Sam reviewed your file. Your recommendation is ready — give it a read."

Push notification · adviser sign-off
Not

Your mortgage adviser has completed the review of your application and is pleased to present your personalised recommendation.

Try-hard · no value · no time
07 / Common questions

The honest answers.

If you can't find what you're looking for, ask a real adviser. No sign-up required — just a chat.

How do you make money if there are no fees?
Lenders pay brokers a "procuration fee" when a mortgage completes — usually around 0.35% of the loan. That's how every whole-of-market broker is paid. We just don't charge you on top. The rate the lender offers is exactly the same whether you come through us or directly.
Is MRTG actually whole-of-market?
Yes — we work with every major UK lender and a range of specialist ones. We don't take payment from lenders to favour their products; the procuration fee is the same flat-ish percentage across the market, so we'd rather get you the right rate than the better-paying one.
Is there a real adviser behind every recommendation?
Absolutely. Technology helps organise information, compare options and keep your application moving. Every recommendation is reviewed by a qualified mortgage adviser who is accountable for the advice you receive.
What do I need to start?
Just a phone. We'll ask about your income, deposit and what you're trying to do. To make it lender-ready, you'll then link your bank — that's how we verify income, spending and ID without you uploading anything.
Is my data safe?
Bank connections use Open Banking — the same standard your bank's own app uses — and we only ever read, we never move money. You can revoke access at any time. We're FCA-authorised; the rules we follow are the same as any high-street bank.
Can I speak to a human?
Whenever you want — chat in-app, or book a 15-minute call. The difference: it's optional. If you'd rather get the recommendation, read it, and decide on your own, you can. We don't trap the answer behind a phone call.
Remortgages too, or just first-time buyers?
Both. First-timers, remortgages, moving home, buy-to-let. We'll watch your current rate and tell you two months before it ends whether switching makes sense — and tell you when the answer is "stay put."
No fees · No chasing · Advice when you need it

Your mortgage. In your hands.

See what you can borrow. Get a real, adviser-signed recommendation. Zero pounds, either way.

App coming soon
FCA authorised Open Banking secured Whole of market UK-based advisers