AI Picks / United Kingdom / Money
Best mortgage broker in the UK, according to AI
L&C Mortgages was the brand named most often by AI assistants for mortgage brokers in the UK, appearing in 27 of 60 answers. This page reports what ChatGPT, Gemini, Perplexity and Google AI Overviews said across those 60 answers.
- 15 real searches
- 4 AI assistants
- 60 answers read
- No affiliate links
- Best for all-round starting pointL&C MortgagesNamed in 45% of answers
- Best for online process, digital applicationHabitoNamed in 41.7% of answers
- Best for first-time buyers, affordability, family-assisted depositsTemboNamed in 35% of answers
- Best for fee-free advice and first-time buyersFirst MortgageNamed in 30% of answers
- Best for online comparison, streamlined processBetter.co.ukNamed in 23.3% of answers
- Best for bespoke complicated or large-loan mortgagesTrinity FinancialNamed in 23.3% of answers
The mortgage brokers brands AI recommends most
Share of the 60 answers that named each brand. The squares show which assistants named it.
- 1L&C MortgagesCGPAYour brand? Add your link
- 2HabitoCGPAYour brand? Add your link
- 3TemboCGPAYour brand? Add your link
- 4First MortgageCGPAYour brand? Add your link
- 5Better.co.ukCGPAYour brand? Add your link
- 6Trinity FinancialCGPAYour brand? Add your link
- 7Mojo MortgagesCGPAYour brand? Add your link
- 8John CharcolCGPAYour brand? Add your link
- 9Fox DavidsonCGPAYour brand? Add your link
- 10Mortgage Advice BureauCGPAYour brand? Add your link
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What the answers said about each provider. Rates and prices change, so we do not show them: check the provider's own site.
| Brand | Share of answers | Named by | Named best for | Products named |
|---|---|---|---|---|
| L&C Mortgages | 45% | 4 of 4 | all-round starting point, overall consistency, phone-based advice, straightforward purchases and remortgages | – |
| Habito | 41.7% | 4 of 4 | online process, digital application, fully digital, app-driven experience, digitally managed applications | – |
| Tembo | 35% | 4 of 4 | first-time buyers, affordability, family-assisted deposits, first-time buyers, shared ownership, family-assisted schemes, first-time buyers, family-assisted deposits, affordability | – |
| First Mortgage | 30% | 4 of 4 | fee-free advice and first-time buyers, customer-review scores and personal service, high customer ratings, regional offices | – |
| Better.co.uk | 23.3% | 4 of 4 | online comparison, streamlined process, fast online tracking, rate watch, digitally managed applications | – |
| Trinity Financial | 23.3% | 4 of 4 | bespoke complicated or large-loan mortgages, whole-of-market and specialist lending, all-round local option | – |
| Mojo Mortgages | 16.7% | 4 of 4 | fee-free, transparent service, straightforward purchase or remortgage, rate-scanning tech and post-offer checks | – |
| John Charcol | 13.3% | 4 of 4 | high-net-worth, complex income, expat mortgages, complex income structures, portfolio scaling, limited company buy-to-lets, auction properties, portfolio landlords and structured multi-property refinancing | – |
| Fox Davidson | 10% | 3 of 4 | complex, high-net-worth, portfolio landlords, complex income structures, bonuses, high earnings, or self-employed/contractor status, complex income structures, high-net-worth requirements, unique property types | – |
| Mortgage Advice Bureau | 8.3% | 2 of 4 | face-to-face appointments, local branch access, face-to-face advice, local adviser network | – |
What people in the UK ask, answered
Each answer is our summary of what the four assistants said.
What is the best mortgage broker in the UK?
L&C Mortgages was named most often overall, appearing in 27 of 60 answers. Assistants described it as an all-round starting point and noted its consistency and phone-based advice. Habito was named in 25 answers and Tembo in 21.
What is the best mortgage broker in London?
Trinity Financial was named as an all-round local option for London. L&C Mortgages and Habito were the brands named most overall for this category. The assistants did not single out one brand as best for London specifically.
Which mortgage brokers are free to use?
First Mortgage was named for fee-free advice and first-time buyers. Mojo Mortgages was named for fee-free, transparent service. L&C Mortgages was the brand named most overall, in 27 of 60 answers.
What is the best online mortgage broker?
Habito was named for its online process and fully digital, app-driven experience. Better.co.uk was named for online comparison and a streamlined process. Mojo Mortgages was named for rate-scanning technology and post-offer checks.
Which mortgage brokers does Martin Lewis recommend?
L&C Mortgages was the brand named most overall, in 27 of 60 answers. Habito and Tembo were also named frequently. The assistants did not single out a brand as recommended by Martin Lewis.
What is the best buy-to-let mortgage broker?
John Charcol was named for portfolio scaling and limited company buy-to-lets. Fox Davidson was named for portfolio landlords. L&C Mortgages was the brand named most overall for this category.
What is the best mortgage broker in Scotland?
L&C Mortgages was the brand named most overall, in 27 of 60 answers. Habito and Tembo were also named frequently. The assistants did not single out one brand as best for Scotland.
What is the best mortgage broker for first-time buyers?
Tembo was named for first-time buyers, affordability and family-assisted deposits. First Mortgage was named for fee-free advice and first-time buyers. L&C Mortgages was the brand named most overall.
What is the best mortgage broker in Perth?
L&C Mortgages was the brand named most overall, in 27 of 60 answers. Habito and Tembo were also named frequently. The assistants did not single out one brand as best for Perth.
What is the best mortgage broker in Manchester?
L&C Mortgages was the brand named most overall, in 27 of 60 answers. Habito and Tembo were also named frequently. The assistants did not single out one brand as best for Manchester.
What is the best mortgage broker in Bristol?
L&C Mortgages was the brand named most overall, in 27 of 60 answers. Habito and Tembo were also named frequently. The assistants did not single out one brand as best for Bristol.
What is the best commercial mortgage broker?
John Charcol was named for complex income structures and portfolio scaling. Trinity Financial was named for bespoke complicated or large-loan mortgages. L&C Mortgages was the brand named most overall for this category.
What is the best mortgage broker for self-employed people?
Fox Davidson was named for complex income structures, bonuses, high earnings, or self-employed and contractor status. John Charcol was named for complex income structures. L&C Mortgages was the brand named most overall.
What is the best independent mortgage broker?
Trinity Financial was named for whole-of-market and specialist lending. L&C Mortgages was named most overall, in 27 of 60 answers. Habito was named in 25 answers.
What is the best mortgage broker in Nottingham?
L&C Mortgages was the brand named most overall, in 27 of 60 answers. Habito and Tembo were also named frequently. The assistants did not single out one brand as best for Nottingham.
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Not financial advice. This page reports which providers AI assistants named; it is not a recommendation by us. Rates, fees and terms change, and products may not suit you: check the provider’s own information, and that it is authorised by the FCA before you apply.
How we count
We ask ChatGPT, Gemini, Perplexity and Google AI Overviews the questions people in the UK actually search for (15 for this category), asked from the UK, and read every answer: 60 answers here.
A brand scores when an answer recommends it. Its rank is the share of answers that named it. Shops, review sites and brands an answer warns against are not counted. Different spellings of the same brand are merged.
This is what the assistants said on 17 October 2026, not our own opinion: we do not test products. We ask again every month. Paid listings are labelled and never change the ranking. There are no affiliate links on this page.
The rankings and data are ours (© Vasukai). You are welcome to quote a ranking with a link to this page; copying the data in bulk or by automated means is not permitted.