About WR Ethical
WR Ethical searches the whole mortgage market for first-time buyers, home movers and remortgage clients, with buy-to-let and later-life lending also available. It combines mortgage advice with life and income protection and other household insurance.
Its Home Setup Service coordinates practical moving tasks such as utilities, insurance, removals and broadband through a dedicated specialist. For remortgages, WR Ethical monitors rates up to nine months before a deal ends and tracks opportunities through to completion. Pricing is presented as simple and transparent, with advice free in most cases.
Before you choose WR Ethical
5.0 on average from 193 reviews
In its favour
- Whole-market ethical mortgage advice
- Rates monitored up to nine months
- Home setup support after completion
Worth asking about
- The business may receive commission for some Home Setup Service referrals
Typical client: Ethically minded buyers and borrowers planning a property move
Specialties
Also works on: first-time buyers
Key facts
- Type
- Mortgage broker
- Rating
- 5.0 on average from 193 reviews
Prices
Prices published on its website, checked on 31 October 2026.
- Standard mortgage advice£295
- Specialist mortgage advice£495
- Later life lending£495
- Equity Release£595
- Existing Customer Discount£50
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Questions and answers
How much does standard mortgage advice cost?
The standard mortgage advice fee is £295.
How much does specialist mortgage advice cost?
The specialist mortgage advice fee is £495.
What is the fee for later-life mortgage advice?
The fee for later-life lending is £495, and WR Ethical says this applies to all later-life applications because they are specialist.
How long does switching to a new mortgage deal take?
A rate switch with the current lender is often instant. Switching lenders usually takes two to three months from application to completion, although it can sometimes happen in under a month.
How early can they monitor rates before a remortgage?
WR Ethical monitors rates for up to nine months before the existing mortgage deal ends and can switch the client to a better deal as one becomes available.
Do they offer later-life mortgage advice?
Yes. WR Ethical advises on lifetime mortgages, retirement interest-only mortgages, standard mortgages for over-55s and pension-based lending.
