Let’s find the right mortgage for your situation
Whether you’re buying your first home, moving up, or starting fresh somewhere new — we search over 100 lenders to help you find a mortgage that could work for you.
Albot
Your mortgage guide
What brings you here?
Everyone’s situation is different. Here are some of the most common.
First-time buyer
Taking your first step onto the property ladder? We’ll walk you through it. No confusing jargon — just clear guidance and access to deals that could suit first-time buyers.
Moving up
Growing family? Need more space? Moving up could be more straightforward than you think — let’s see what’s available.
Downsizing or relocating
Whether you’re moving to a new area or looking for somewhere more manageable, there could be some good options worth exploring.
What does the process look like?
It’s simpler than you might think. Here’s how it works.
Chat with Albot
Answer a few questions about your situation. First-time buyer? Moving up? We’ll guide you through it.
⏱ ~90 secondsSee your options
We check over 100 lenders and show you mortgages you could qualify for.
⏱ Quick resultsMove into your new home
Choose a mortgage that works for you, and a qualified adviser handles the next steps. We’ll keep you updated along the way.
🏡 You’re homeWhy do people use Albot?
Getting a mortgage can feel overwhelming. Here’s how we try to make it easier.
Quick answers
Get an idea of what you could afford in around 90 seconds. No waiting for callbacks.
Accurate matching
See mortgages you’re more likely to qualify for — not generic results.
No jargon
Plain English explanations for everything. No question is too basic.
Qualified adviser support
Real qualified advisers when you need them. Technology to get things moving, people to get things right.
What people say about the service
Rated 4.9/5 across 6,000+ reviews for the Loan.co.uk group.
The whole process was handled brilliantly from start to finish. Everything was explained clearly and simply, and I always felt supported. Couldn’t recommend them more highly.
Really helpful and patient throughout the entire process. I was kept informed at every stage and nothing was too much trouble. Would definitely use again.
Excellent service from start to finish. Everything was explained in a way I could understand, and the team were always available when I had questions.
Common mortgage questions
Things people often ask us.
How much can I borrow?
Most lenders will let you borrow 4-4.5 times your annual income, though some go higher. It depends on your circumstances—deposit size, credit history, outgoings, and more. Chat with Albot for 90 seconds and we’ll give you an idea of what you might be able to borrow.
How much deposit do I need?
You’ll typically need at least 5-10% of the property price, though 15-20% will get you better rates. First-time buyers may have access to schemes that help with smaller deposits. Albot will show you options based on whatever deposit you have.
Will checking affect my credit score?
No! Getting a quote from Albot uses a “soft search” which is invisible to other lenders and won’t affect your credit score at all. Only when you formally apply for a mortgage does a full credit check happen.
What’s the difference between fixed and variable rates?
Fixed rates stay the same for a set period (usually 2-5 years)—great for budgeting. Variable rates can go up or down with the market. Most first-time buyers prefer fixed rates for the certainty. Albot will explain the pros and cons for your situation.
How long does it take to get a mortgage?
From application to completion, typically 4-8 weeks. Getting your initial quote from Albot takes just 90 seconds. It’s often worth getting a mortgage in principle before you start house hunting—it shows sellers you’re serious and ready to move.
Curious what mortgage options are out there?
Check over 100 lenders in about 2 minutes. No commitment, and it won’t affect your credit score.
See what’s availableRepresentative Example (Mortgages)
If you borrow £200,000 over 25 years, initially on a fixed rate for 5 years at 5.25% and for the remaining 20 years on the lender’s standard variable rate of 7.99%, you would make 60 monthly payments of £1,199.12 and 240 monthly payments of £1,393.46. The total amount of credit is £200,000. The total amount payable would be £418,263. The overall cost for comparison is 6.8% APR representative.
Albot is an introducer and technology platform, not a lender and not a mortgage broker. Applications submitted via Albot may be passed to Loan.co.uk Ltd, which provides mortgage advice, carries out suitability assessments, and arranges mortgages with lenders. Loan.co.uk Ltd acts as a mortgage broker, not a lender. Your home may be repossessed if you do not keep up repayments on your mortgage.