
Last updated: 14 October 2026
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Your home may be repossessed if you do not keep up repayments on your mortgage.
Better.co.uk is an online mortgage broker that is fee-free for most customers, with access to over 100 lenders. Use the Better.co.uk refer a friend link below to sign up, and when your mortgage completes, you and the person who referred you each receive £100 in Amazon vouchers. The referral link must be used at sign-up for the reward to apply. Better.co.uk is a trading name of Trussle Lab Ltd, authorised and regulated by the Financial Conduct Authority (FRN 924229).
Better.co.uk (formerly Trussle) is one of the UK's first fully online mortgage brokers. They handle everything digitally: you complete an online profile, upload documents through their platform, and get matched with an adviser who manages the process from there. No office visits, no printing, no posting anything. They hold a 4.8 out of 5 TrustScore on Trustpilot from about 10,000 reviews.
Better.co.uk says it is fee-free for most customers, depending on your circumstances and credit history, and it is paid commission by the lender when your mortgage completes. It has access to over 100 mortgage lenders, including high street names like Halifax, Barclays and Santander, as well as specialist lenders for more complicated situations.
The referral works in four steps:
You must sign up using the referral link. If you go to Better.co.uk directly or through a different route, they won't be able to track the referral and you'll miss the voucher. The reward applies to both purchases and remortgages.
Better.co.uk may suit anyone who prefers managing things online, and it can be particularly useful for:
First-time buyers who want clear guidance without the formality of a traditional broker. The online dashboard tracks your application in real time, so you always know where things stand.
Remortgagers looking for a better deal. Better.co.uk's rate-monitoring feature continues to scan the market even after you've received a recommendation. If a better deal appears before you complete, they can switch you onto it.
Busy people who can't take time off work for phone calls and appointments. Everything happens through the platform, at whatever time suits you.
If you have a more complex situation (self-employment, adverse credit, unusual income), Better.co.uk can still help, though some specialist lenders only accept direct applications. For a broader look at how different brokers handle different situations, see our easiest mortgage broker UK comparison.
No broker covers the entire market. Better.co.uk has access to over 100 lenders, but a handful of providers (including some building societies and direct-only lenders) don't work with brokers at all. To cover the whole market, check direct-only rates yourself alongside whatever Better recommends.
Better.co.uk also doesn't offer face-to-face meetings. If you'd prefer sitting down with someone in person, a traditional broker like John Charcol or a corporate-partnered service like Charles Cameron might be a better fit.
| Broker fee | Free for most customers |
| Lender panel | 100+ lenders |
| Referral reward | £100 Amazon voucher each for you and the referrer (on mortgage completion) |
| Regulation | Directly authorised by the FCA (Trussle Lab Ltd, FRN 924229) |
| Trustpilot | 4.8/5 (about 10,000 reviews) |
| Services | Purchases, remortgages, buy-to-let |
| Formerly known as | Trussle |
For most customers, yes. Better.co.uk says it is fee-free for most people, depending on circumstances and credit history, and it is paid a commission by the lender when your mortgage completes.
The voucher is sent by email after your mortgage completes. You must sign up through the referral link for the reward to apply. If you sign up directly without using the link, the referral can't be tracked.
Yes. The £100 Amazon voucher applies to both purchases and remortgages, as long as the mortgage completes and you used the referral link at sign-up.
Better.co.uk has access to over 100 lenders, which covers a large portion of the market. However, some lenders only accept direct applications and don't work with any broker. No broker is truly "whole of market" in the strictest sense.
Both are fee-free online brokers with a similar digital-first approach. Habito is now owned by Monzo, which completed the acquisition in April 2026 and is folding the service into the Monzo app. Better.co.uk remains a standalone broker with rate monitoring that continues even after your recommendation. For a full side-by-side, see our easiest mortgage broker UK comparison.
Yes. Better.co.uk works with lenders who cater to self-employed applicants. You'll typically need at least one year's accounts (some lenders ask for two). Your adviser will match you with lenders most likely to accept your application based on your income type.
Claim your £100 Amazon voucher
Your home may be repossessed if you do not keep up repayments on your mortgage. This page is not financial advice, and CoolCuration is not authorised by the Financial Conduct Authority. Referral terms are set by Better.co.uk and may change, so always check the latest terms on their site before signing up. Better.co.uk is a trading name of Trussle Lab Ltd, authorised and regulated by the Financial Conduct Authority under firm reference number 924229. This page contains a referral link; if you sign up through it, CoolCuration may receive a commission or referral bonus at no extra cost to you.
This content is information only and is not financial advice or an endorsement of Better.co.uk. CoolCuration is not authorised by the Financial Conduct Authority and does not give mortgage advice. The referral offer is subject to Better.co.uk's terms and conditions. Your home may be repossessed if you do not keep up repayments on your mortgage. Speak to a qualified mortgage adviser before you make a decision.
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