What’s the Difference Between an Online Mortgage Advisor and a Mortgage Broker?

by Aaron Strutt

May 01 2025

What’s the Difference Between an Online Mortgage Advisor and a Mortgage Broker?

When it comes to finding the right mortgage, many people are unsure whether to use an online mortgage advisor or a mortgage broker. While the terms are sometimes used interchangeably, there are key differences between the two — and understanding these can make a big difference to the service and advice you receive.

What Is an Online Mortgage Advisor?

An online mortgage advisor typically says they operate through a digital platform, using technology to guide borrowers through the mortgage process. These services may rely on automated systems, algorithms, or chat-based tools to recommend products based on the information you provide.

Aaron Strutt, product director at Trinity Financial, says: "The likelihood is that you will still need to speak to a mortgage broker at some point to make sure you are getting the best advice when going to an online advisor. It is very hard to do everything online. While we can arrange mortgages via email and via our client portals, we want to speak to our clients to understand exactly what they need and pass on our knowledge and expertise." 

Specific Online Mortgage Advisors can be convenient, especially if you’re comfortable managing your mortgage application online and want quick comparisons between lenders. However, online advisors may not always offer the same level of personalised service or access to complex lending solutions — particularly if your circumstances are unusual, or if you’re self-employed, have multiple income sources, or need help with a high-value or buy-to-let mortgage.

What Is a Mortgage Broker?

A mortgage broker — like Trinity Financial — provides a more personal and bespoke service. A broker works directly with you to understand your full financial situation, goals, and preferences before recommending suitable mortgage options from across the market. This is usually done over the phone or via a Zoom meeting.

Unlike most online platforms, a broker can negotiate directly with lenders, access exclusive deals, and offer tailored advice for more complex cases. Brokers also help manage the entire process — from application to completion — ensuring your mortgage runs smoothly and efficiently.

Which Is Better for You?

If you’re looking for speed and simplicity, an online advisor may seem attractive. But if you value expert advice, personal service, and a smooth process, a mortgage broker with a phone number and email address advertised on the website may well offer greater reassurance and flexibility.

At Trinity Financial, our experienced mortgage brokers combine the convenience of modern technology with the expertise and personal touch that only a human advisor can provide. Whether you’re a first-time buyer, remortgaging, or investing in property, we can help you secure the most suitable deal for your needs.