How Trussle works
Here are the 8 steps to get a mortgage with Trussle, and how long the mortgage process takes
Before you get started
There's one thing you should know: Trussle is completely free. We will never charge you a penny for our mortgage advice or mortgage brokerage service.
How Trussle provides its services for free
Trussle is a fee free mortgage broker. We give expert mortgage advice, find the right mortgage for you and do all the hard work to apply for a mortgage – completely free of charge.
We get paid by the mortgage lender after your home purchase or remortgage is completed.
Most mortgage brokers get paid by the lender this way. It's called a procuration fee or 'proc fee'.
For insurance products, we’re paid by the insurer when you complete the purchase and your cover starts.
The details of the fees we earn from lenders and insurers are set out in the product information we send you.
What we pay our advisers reflects their expertise in finding you the right mortgage or insurance. We do not offer them incentives to pick specific lenders or insurers.
This means you'll always get impartial advice.
If you're buying a home...
Start by seeing what you could afford to borrow and download your free Mortgage in Principle certificate.
Estate agents will generally ask to see this before you attend viewings to make sure you're a serious buyer.
If you're remortgaging...
Start by checking if it's the right time to remortgage, and see what switching to a new deal might save you.
Bear in mind Your home could be repossessed if you don't keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. Any savings will vary depending on personal circumstances.
1. Tell us about you
Whether you're buying or remortgaging, use our simplified online form to tell us about your finances and property.
Save and resume at any time
Skip sections if you don't have all the information to hand
We'll secure your information using bank grade encryption, keeping your data secure.
Takes around: 15 minutes
2. Receive expert advice
Once you've provided your information you'll be paired with one of our experienced mortgage advisers.
Your adviser will check through your details and, assisted by our unbiased mortgage search technology, will identify the most suitable deal for you.
You'll receive a mortgage recommendation showing which deal has been chosen, and an explanation of why it was chosen from the 12,000 deals available.
You can then choose to move ahead with this deal or speak with your adviser if you have any questions or would prefer an alternative deal.
Our mortgage advice and recommendation service is completely free and our advisers aren't paid a commission. You'll always get impartial advice about what is the right mortgage for your circumstances.
Takes less than: 24 hours
3. Upload your documents
When you're happy to apply for the mortgage deal we've recommended, we'll prepare your application for the lender.
We'll ask you to provide some documents using our secure upload service, which you can use from your computer or mobile.
Documents will vary depending on your circumstances and the lender you're applying to, but will generally include:
proof of ID
proof of address
proof of deposit
4. Apply with confidence
Once you've uploaded your documents, we'll check them against the information you provided earlier.
We'll let you know if anything's missing or doesn't match the information you provided, and help you get everything ready for the application.
When everything's in order, we'll submit your mortgage application to the lender!
We may be in touch if they require any further information, otherwise we'll simply keep you informed as they consider your application.
Takes around: 1 to 2 days on average
5. Get protected
While your lender’s reviewing your application, it’s time to make sure you can still pay your mortgage if the unexpected happens so you’re protected against losing your home.
It’s a tough one to think about, but you might get too ill to work, for example.
One of our protection advisers will be in touch to make sure you have enough mortgage protection for:
long term sickness and disability
life threatening critical illness
Takes around: 30 mins for a protection review
6. Receive the mortgage offer
When the lender receives your application, they'll review your details and do a credit check to make sure you can afford the amount your looking to borrow.
They'll then want to conduct a valuation of the property to make sure it's worth the amount you've agreed to pay for it. You can also request to pay for a more detailed survey to assess any structural issues if you prefer.
All being well, your mortgage application will be accepted and you'll receive a Mortgage Offer letter from the lender.
Remortgaging? Skip to #8!
Takes around: 16 days on average
7. Complete your home purchase
If you're buying a home, it's now over to your solicitor or conveyancer.
They'll confirm everything's in place to secure the mortgage with the lender, and agree a completion date with the seller and their solicitor.
The day the money is exchanged with the seller, you'll be able to pick up your keys from the estate agent and move in!
Takes around: 90 days (varies significantly)
8. Set it and forget it
The mortgage market is competitive, and lenders regularly update and launch new deals to attract new customers.
We'll compare your mortgage with the market each day.
If we spot a new deal that we think could save you money, we'll notify you the moment we spot it.
We'll also alert you three months before your deal ends, to help you avoid lapsing onto the lender's Standard Variable Rate (SVR).
An SVR will generally have a higher rate of interest than other mortgage deals. Switching to a more competitive deal could reduce your monthly payments by £344, on average.(1)
Get a mortgage with Trussle today
Fee-free online mortgage broker
Rated 4.9/5 on Trustpilot - the UK's top rated online mortgage broker
Thousands of deals from 90 lenders
Straightforward online application process
No waiting for appointments
Free ongoing mortgage monitoring
Your home could be repossessed if you don't keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.