Mortgage advice that doesn't cost the Earth.

Ethically driven, award winning mortgage advice for first-time buyers and veterans of the property market.

Why use WR Ethical?

Most people come to us for independent mortgage advice based on our honest and ethical approach. But that’s not the only reason people choose us… here are the top 5 reasons we hear when we ask for feedback (which we always do).

  1. Enjoy award winning customer service – Clients find our approach refreshing, and we always aim to offer you a 5-star experience. The only way we can do that is by going above and beyond for every single person we help.
  2. Benefit from fair pricing – Our ethical pricing structure allows us to be one of the lowest cost mortgage brokers in the UK. All initial mortgage advice, meetings and agreements in principle are free. Most first time buyer and remortgage applications end up being fee free too – even for those that aren’t, you may be surprised when you compare our pricing.
  3. Get truly independent mortgage advice – We genuinely care about getting the best value mortgage deal for you. That’s why we search the whole of the market during our recommendation process – including broker exclusives and direct to customer deals. That means you’ll get the ideal mortgage solution for your circumstances, from the thousands of options available.
  4. Minimise the stress of the whole home buying process – Time and again people tell us that we’ve helped make the process as easy as possible – we are quick, available when you need us, know each lender’s quirks, and also know good people to help you through the whole process – surveyors, solicitors, insurers – we care about making sure you get good service without it costing the earth.
  5. Get peace of mind from a company that wants to do right – We’ve woven care for the planet into all we do, so we’ll advise you on the ethics of different mortgage providers (but leave the choice to you!), donate a good portion of our turnover to charity and try to run every aspect of our company in a way that puts people and planet before profit.

What are Ethical Mortgages?

Buying a house is likely to be the most expensive undertaking of your life. When you borrow money from a lender, they profit from your repayments over the mortgage term. Given the choice, wouldn’t you prefer that this profit is used for good? Or, at the very least, kept away from companies whose ethos doesn’t align with your own?

Different lenders have varying motivations and methods, deploying their funds in ways that may or may not resonate with you.

We aim to empower you with information so that you can make an informed choice. Recognising that finances can be tight, we are committed to finding you the most cost-effective mortgage deal for your circumstances. In addition to identifying the most economical option, we will let you know if there are any greener or more ethical mortgage choices. Encouragingly, green and ethical mortgages are often competitively priced, with little to no discernible difference in cost.

To provide you with this information, we collaborate with Ethical Consumer, a non-profit publication with a mission to promote global business sustainability. Ethical Consumer offers a comprehensive analysis of all of the larger mortgage lenders in the UK (and many of the smaller ones too).

Our mission is to assist you in property acquisition through a relationship grounded in honesty. We don’t chase quick wins or on turning a rapid profit. Our business is run as sustainably as possible, with a primary focus on providing you with honest, independent financial advice to help you secure an ethical mortgage. You can find more about us here.

Latest Blog
Published by Paul Waterfall on July 10, 2024
Proving Your Deposit: Everything You Need to Know
Here we explain why have to prove the source of your deposit and then explain how to make the process as smooth as possible. Proving your deposit does two things: - Shows you have enough money - Explains where the money has come from
Read more
Published by gregory on June 24, 2024
First Time Buyers Guide – Part 1 – Preparing Your Finances
Over half of the people we speak to are looking to buy their first home, and we really love helping people on that journey. We want to do all we can to support you throughout the process, so have piled all of our knowledge and expertise into building a comprehensive series of guides. Here's the first of our five guides ...
Read more