Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
For context: I have overpaid my own mortgage through Sprive since October 2021 and remortgaged from Nationwide to Halifax in June 2026, so the broker notes below sit on hands-on mortgage admin.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
Want the Better.co.uk voucher offer?
The £100 Amazon voucher offer from Better.co.uk featured below, and the steps to claim it, live on our refer-a-friend page.
Your home may be repossessed if you do not keep up repayments on your mortgage.
CoolCuration is not authorised or regulated by the Financial Conduct Authority and does not provide financial advice. The information below is for general informational purposes only. Always seek advice from an FCA-regulated broker or adviser before making mortgage decisions.
Trying to find the easiest mortgage broker in the UK? I used four different brokers for quotes on the same remortgage and compared them purely on how painless the process was. Spoiler: the rates that came back were almost identical. So if the deals are basically the same, the only thing that really matters is how much of your life gets eaten up by the process. That's even more true right now, as UK mortgage rates have climbed sharply following the Middle East conflict and lenders are repricing fast.
Here's how Habito, Better.co.uk, Sprive and Charles Cameron & Associates stacked up, ranked from smoothest to most old-school.
Read more