Independent mortgage broker · Brentford, West London
Fee-free mortgage broker.
Advice built around you.
Fee-free for most cases. See when fees apply
Expert, whole of market mortgage advice for first time buyers, home movers, remortgages and buy to let. We search 90+ lenders to find the right deal for you, and our team handles the application and keeps you updated.
Or call 020 8090 2043
5.0 · 538 customer reviews
Rated 5.0 / 5
538
customer reviews
FCA authorised and regulated
Financial Services Register 925226
Access to 90+ lenders
Independent, not tied to any bank
Open 9am–9pm, seven days a week
Call 020 8090 2043 or WhatsApp us
Based in Brentford, West London
Local advice across London and beyond
How can we help?
Start with what you need. We’ll take it from there.
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First-time buyer
Clear, expert advice on your first mortgage.
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Remortgaging
Explore your options before your current deal ends.
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Moving home
Find the right mortgage for your next home.
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Buy to let
Mortgage advice for your property investment.
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Self-employed
Advice for the self-employed, including one year’s accounts.
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Insurance & protection
Cover for your home, income and family.
How a fee-free broker gets paid
Fee-free
mortgage broker.
No broker fee for most cases.
When we arrange a mortgage, the lender pays us a commission, like all mortgage brokers. Most brokers charge their clients a fee on top, typically from £495 up to 1% of the loan. We choose not to, for most cases.
We are a fee-free broker for most cases. Fees may apply on complex cases, including adverse credit, company buy-to-let, visa applicants and loans under £250,000, and will always be confirmed in writing before you commit.
Other mortgage costs to be aware of.
Please note that lender arrangement fees, valuation fees and legal costs may still apply to your mortgage. We will always explain the full cost of any mortgage we recommend before you apply.
There’s more to a mortgage
than the headline rate.
A bank can only recommend its own mortgages. We compare options from 90+ lenders, weighing up the fees, criteria and flexibility that matter for your circumstances, not just the advertised rate.
Some of the lenders we work with
Advice, not just a comparison
We recommend suitable options, explain why, and handle the application and paperwork with you.
Staying put can be the right call
If your current lender’s deal is the best fit, we’ll say so. We’ll even submit your remortgage with your existing lender at no cost if we can’t find you a better deal.
Today’s mortgage rates
Updated 25 September 2026
Lowest initial rates on our lender panel today, based on a £100,000 repayment mortgage over 25 years on a £200,000 property (50% loan to value).
Best first-time buyer mortgage rates
| Lender and product | Initial rate | APRC |
|---|---|---|
 Fixed until 31 Dec 2028 · £570 a month · £924 fees | 4.75% | 5.77% |
 Fixed until 31 Dec 2028 · £573 a month · £1,099 fees | 4.81% | 7.02% |
 Fixed until 30 Nov 2028 · £587 a month · £995 fees | 5.04% | 7.09% |
Representative example: a £100,000 repayment mortgage over 25 years with Barclays at 4.75% fixed until 31 Dec 2028, then 5.74% variable. 27 monthly payments of £570, fees £924. APRC 5.77%. The total amount payable is shown with the full product details.
All first-time buyer ratesBest remortgage rates
| Lender and product | Initial rate | APRC |
|---|---|---|
Fixed until 31 Dec 2028 · £577 a month · £999 fees | 4.88% | 7.03% |
Fixed until 31 Dec 2028 · £579 a month · £1,024 fees | 4.91% | 5.82% |
 Fixed until 31 Oct 2028 · £588 a month · £999 fees | 5.06% | 6.28% |
Representative example: a £100,000 repayment mortgage over 25 years with Halifax at 4.88% fixed until 31 Dec 2028, then 7.24% variable. 27 monthly payments of £577, fees £999. APRC 7.03%. The total amount payable is shown with the full product details.
All remortgage ratesAs a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments.
Rates change and what you’re offered depends on your circumstances. Lender fees may apply; a broker fee only in the cases explained above. These examples are not an offer of credit.
APRC is the annual percentage rate of charge: the overall cost of the mortgage over its full term, including fees, shown as a yearly rate. Compare it alongside the initial rate and the fees.
How it works,
step by step.
Step 1: Tell us your plans
Two quick questions, then a call at a time that suits you.
Step 2: We do the research
We search 90+ lenders and explain our recommendation and why.
Step 3: We secure your mortgage
Our team completes the application and keeps you updated through to completion.
Meet Milton and the team
A mortgage is personal.
Your advice should be too.
You’ll deal with a small team who take the time to understand your circumstances. We pride ourselves on the close relationships we build with each and every client, from the first conversation to your mortgage offer and beyond.
- Advice shaped around your circumstances
- Help with the application and paperwork
- Someone to speak to, 9am to 9pm, seven days a week
A selection of recent reviews
Different circumstances.
The same five stars.
Reviews.io “Excellent service from Marianna FS on the remortgage of my properties. The team was quick, transparent and responsive throughout, and they got me a great deal. Highly recommended!”
Amit M
Read the full review
24 September 2026- Reviews.io
“The whole team at MariannaFS have been absolutely fantastic to work with. Milton, Nelson and Jeanal were really supportive, helpful and patient throughout the whole mortgage and home purchase process. We got good info along the way about mortgage process, different product offers and also genuine guidance in helping us decide on the right offer that met our needs. The team also helped us with recommending solicitor, surveyor and mortgage insurance which made the entire process stress free for us. Thanks to the entire team at MariannaFS!”
Glenn
Read the full review
17 September 2026 
Google “Excellent Support Throughout a Very Complex Remortgage I would highly recommend Mariana. My remortgage was far from straightforward and involved a number of unusual and complicated issues which took several months to resolve. Throughout the whole process, Mariana was patient, responsive and supportive. Even when things became difficult and time-sensitive, she continued to follow up and work with me until we finally reached the finishing line. I particularly appreciated that she stayed involved throughout such a long and challenging case rather than simply giving up when complications arose. Thank you, Mariana, for all your help, patience and support. Five stars and very well deserved.”
Jhino P
Read the full review
4 September 2026- Reviews.io
“I and my husband had a great experience with Marianna Financial Services as a first-time homebuyer. Milton & his team especially Jenal & Nelson was helpful, patient, and always happy to answer my questions. They made the whole mortgage process easier and gave us the confidence along the way. I’m really happy with the service and would definitely recommend them to everyone. To be honest it’s a very trustworthy company to go with. May grow much bigger.”
Anthea F
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29 August 2026 - Reviews.io
“MatiannaFS are Specialist in mortgage advice for the self-employed. Being turn down by big broker firm I found Mariannafs as local mortgage broker in Ealing. Milton and team have the expertise to find a mortgage for me as sole trader and limited company. I would highly recommended them to anyone need mortgage advice .”
Panagiotis A
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12 August 2026 - Reviews.io
“Happy with the service, would reccomned. They went above and beyond for me”
Hiral
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31 July 2026 - Google
“Great to work with MariannaFs. The staff are fantastic, are always ready to help. In particular Milton is go out of way to asisst you. Nelson is prompt in response.”
Rajesh T
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29 July 2026 - Google
“I would like to say that once again Marianna FS have been outstanding the speed and efficiency in which they processed my mortgage application was incredible. They are very proactive and approachable always willing to help and provide a great overall service I would recommend highly and would definitely go back to them in the future”
Afzal F.
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25 July 2026 - Reviews.io
“Good stuff”
S t
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20 July 2026 - Google
“I came across Milton and his team after some research - I was looking to avoid the big money houses after a few disappointing experiences. Milton made the process easy and was transparent throughout. Thanks to the team!”
Ashley
Read the full review
12 July 2026
A little clarity
goes a long way.
Explore all mortgage guides -
Getting started
Buying your first home
Know what to expect, from preparing your deposit to making an application.
Read the guide -
Your next deal
Planning a remortgage
Understand the questions to ask as your current mortgage deal comes to an end.
Read the guide -
Your circumstances
Mortgages when self-employed
Get familiar with the information lenders may ask for.
Read the guide
More answers to common questions
Ready to begin?
Tell us a little about your plans and our expert broker will be in touch shortly. We’ll explain your options, and any fees, before you commit to anything.
What would you like to do?
Prefer to talk? Call 020 8090 2043