Trussle Mortgage vs. Local & Virtual Mortgage Brokers: Which One is Right for You?

Introduction: The Evolution of Mortgage Brokering

The mortgage market has changed dramatically in recent years. Traditional mortgage advisers working with street banks, building societies, and independent firms once dominated the industry. Today, digital mortgage brokers like Trussle (now Better.co.uk) have revolutionised the way homebuyers secure financing.

However, while online services provide convenience, many borrowers still value the impeccable service and personalised approach of human mortgage brokers who offer both face-to-face and virtual consultations.

Whether you’re a first-time buyer, looking for equityThe difference between the value of the property and the amo... release mortgages, or exploring tracker mortgages, choosing the right broker can impact mortgage rates, mortgage approvals, and financing costs. In this article, we’ll compare Trussle Mortgage with a hybrid mortgage broker—a broker who has a physical office but also works online—to help you identify the most suitable options for your home financing needs.

The article is updated as of March 03, 2025

What Is Trussle Mortgage?

Trussle was one of the UK’s first digital mortgage brokers, offering mortgage comparisons with a range of lenders and Lloyds Bank, the Co-operative Bank, and other favoured providers. The company aimed to reduce transactional friction in the mortgage deal process by providing fast, free, and fully digital mortgage advice.

In 2021, Trussle was acquired by Better.com, an American bank-backed digital lender. Following regulatory approvals, the platform rebranded as Better.co.uk under CEO Ian Larkin, maintaining its mission to provide financial advice and connect borrowers with independent mortgage brokers.

Key features included:

• Mortgage comparison with 90+ mortgage lenders
• Soft search mortgage approvals for better consumer rights
• Boost mortgage chances with automated alerts
• Online services with no procurement fees for most customers
• Guides on mortgage protection and home financing

While Trussle (now Better.co.uk) streamlined the application process, many homebuyers prefer a kindred spirit in the form of a human mortgage adviser who understands their employment details, financial details, and lender pricing.

The Rise of Hybrid Mortgage Brokers (Local & Virtual Services)

• A hybrid mortgage broker bridges the gap between traditional mortgage brokers and digital mortgage brokers by combining:
• Physical Office – Perfect for those who prefer an appointment time with an expert.
• Virtual Consultations – Offers the convenient option of digital financial advice.
• Personalised Mortgage Service – Goes beyond generic price comparison services.
• Access to Quality Analysis – Unlike bank advisers, independent brokers compare alternative options across the market.
• An experienced mortgage broker provides a smooth remortgageRefinancing an existing mortgage with a new mortgage. experience with minimal consumer harm, guiding you through the buying process with exceptional customer service.

Why a Hybrid Mortgage Broker Might Be a Better Choice

1. Better Support for First-Time Buyers

Many first-time buyers struggle with mortgage approvals due to a lack of credit history or complex employment details. Experienced mortgage brokers offer extensive mortgage options tailored to individual needs.

2. More Lender Access and Better Mortgage Deals

Bank advisers at Lloyds Bank or the Co-operative Bank can only offer in-house products. In contrast, a hybrid mortgage broker has relationships with brokers across a range of lenders, often accessing discount rate mortgagesthat aren’t advertised publicly.

3. Personalised Mortgage Advice for Complex Cases

From equity release mortgages to tracker mortgages, a dedicated homeownership team ensures a suitable option based on your credit score, employment details, and financial details.

4. Faster Approval Times & Flexible Payment Options

A hybrid broker can expedite the application process, often securing a mortgage decision faster than street banks. Their experienced management team ensures a consecutive time workflow to improve approval times.

5. Additional Services: Insurance, Conveyancing & Energy Planning

Beyond mortgages, many hybrid brokers provide:

• Insurance Broker services for mortgage protection

• Conveyancing services with experienced estate agents

• Energy planning services to cut building operation costs

When Should You Use Trussle (Better.co.uk)?

Trussle may be the right fit if you:

• Prefer a fee-free service for basic mortgages
• Have a high credit score and a straightforward buying process
• Want to use digital access for quick approvals
• Are comfortable with price comparison services rather than personalised mortgage advice

When Is a Hybrid Mortgage Broker the Better Choice?

A hybrid mortgage broker may be the better option if you:

• Need a smooth remortgage experience with a human mortgage adviser
• Are considering alternative options like discount rate mortgages or tracker mortgages
• Want guides on mortgage protection and insurance alongside financing
• Require tailored solutions from an independent mortgage broker

How to Find the Right Hybrid Mortgage Broker

When choosing a hybrid broker, consider:

• Experience: Work with experienced mortgage brokers backed by an experienced management team.
•  Access to Lenders: Ensure they compare a range of lenders, including L&C Mortgages and Mortgage Advice Bureau.
•  Fee Structure: Look for fee-based add-on services versus a fee-free service.
•  Customer Reviews: Prioritise brokers with a track record of excellent customer service.
• Conclusion: Trussle Mortgage vs. Hybrid Mortgage Broker – Which Is Better?

The best choice depends on your needs:

• If you prefer a fully digital process and quick approvals → Trussle (Better.co.uk) is ideal.

• If you want a mix of online convenience and human guidance → A hybrid mortgage broker is the better option.

A hybrid broker can boost mortgage chances for complex cases, offering exceptional customer service and helpful service before, during, and after your mortgage approval.

Frequently Asked Questions (FAQs)

Q1: Is Trussle (Better.co.uk) a better alternative to a traditional mortgage broker?

It depends. Trussle works well for simple cases, but experienced mortgage brokers offer personalised mortgage solutions that cater to unique financial situations.

Q2: How long does the mortgage approval process take?

Approval times vary based on lender pricing, credit score, and financial details. The average mortgage decision is faster with digital platforms but can be enhanced with independent mortgage brokers.

Q3: Can I get an equity release mortgage through Trussle?

No, Trussle does not offer equity release mortgages. You would need a specialist hybrid mortgage broker for this.

Q4: Do hybrid brokers offer online services?

Yes, many experienced mortgage brokers  provide online services, ensuring a convenient option for busy homebuyers.

Q5: Are mortgage brokers more expensive than Trussle?

Some charge a fee-based add-on service, while others offer a fee-free service. However, brokers often save clients more in the long run through better lender pricing and alternative options.