Searches all came back clear!
3 days
FCA authorisation pending
Your mortgage, smooth as buttr
Mortgage, survey, and conveyancing:
Handled in one app.
No paperwork. No bullsh*t.
The old way
You don't know where to start. Six parties. None of them talk. Separate bills. No visibility. 5 months for a set of keys.
There's a better way. We built it.
The new way
Buttr is both the lender & conveyancer
For the first time, one team is responsible for your entire purchase, from your first affordability check to the day you get your keys.
We're checking the docs for you
5 days
The legals are underway!
1 week ago
Your mortgage is confirmed!
2 weeks ago
Step 1
Check your affordability in 60 seconds
No broker appointment. No guesswork.
Enter a few details and get a real affordability figure based on your actual situation — not a generic calculator.
Know exactly what you can spend before you fall in love with a house.
Step 2
Mortgage offer in hours. Not weeks
We're the lender, so there's no middleman slowing things down. Upload your documents once. Get a real decision fast.
Step 3
From offer to keys. We don't hand you off
Most lenders pass you to a separate, external conveyancer once you have an offer. Buttr Legal, our in-house firm, keeps it all under one roof — surveys, searches, contracts, completion. Every update in the app.
What we
do differentlyWhat we do differently
No commission. Ever.
We don't take a cut from your mortgage.
No referral fees, no hidden margins, no inflated rates to cover someone else's fee. What you see is what you pay - nothing more.
Buttr is the lender. That means the rate you're offered is the rate we fund, and any savings stay with you.
Offers that actually mean something
Most lenders give you a number based on a basic income multiple. Buttr's spend limit uses a soft credit check and open banking - so it's grounded in your actual finances, not a rough guess.
Your spend limit, saved to your wallet
Once your spend limit is confirmed, add it to your Apple or Google Wallet in seconds.
At a viewing, your agent or seller can scan the QR code on the wallet to see your verified limit and Buttr's details - everything they need to get things moving.
No printouts, no follow-up emails. Just show and go.
Designed to cut your move in time
Conveyancing typically takes months - most of it spent chasing solicitors, waiting on paperwork, and managing two separate processes at once. Buttr combines legal and mortgage in one platform.
Everything moves in parallel, not in sequence.
Track everything from your phone
See exactly where your mortgage and conveyancing are at, at any point.
No calling your solicitor to find out what's happening - it's all in the app, updated in real time.
You'll know before anyone has to tell you.
Made for people like you
First-time buyers
Never done this before? Good.
You've never done this. Neither have most of the people who'll try to help you - and charge you for it. Buttr walks you through every step, in plain English, from your phone.
The self-employed
The banks make it hard. We don't.
Banks see "self-employed" and reach for the rejection stamp. We use open banking to look at your actual finances - business and personal - and make a fair call. No accountancy certificates. No box-ticking.
The stuff you were going
to ask ChatGPT
2026. Join the waitlist and you'll hear first - and get access before anyone else.
That's the plan. We're building Buttr to support buyers across England, and we'll share launch coverage details with everyone on the waitlist first.
No. You can check affordability and understand what you could spend before your deposit is fully in place. When you're ready to move, we'll show you exactly what deposit level your purchase needs.
No hard footprint for the initial check. Your spending power view is designed to help you understand your budget without impacting your credit score.
We take regulation seriously. Buttr Financial Services UK Limited has applied for FCA authorisation, which is currently pending. We won't offer any regulated services until we've received approval.
Yes. We're building for real-life income patterns too. Instead of treating self-employment like an edge case, Buttr looks at your actual finances and gives you a fair view of what you can afford.
Buttr Legal handles the conveyancing side of your purchase in-house. Searches, paperwork, milestones and updates all stay connected to the same journey instead of being passed off to a separate firm.