uSwitch review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Uswitch is a broker, not a lender, and it suits borrowers who want a single form to search many lenders at once. Loan amounts run £1,000 to £50,000 over terms of 12 to 96 with an origination fee of 0, while mortgages carry a product fee of £1,004.

Key facts

Best for
Comparing many lenders through a single form, then applying to a chosen lender.
Loan amount
£1,000 to £50,000 (Source, checked September 26, 2026)
Term
12 to 96 months (Source, checked September 26, 2026)
Arrangement fee
0 (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Secured, Car, Guarantor, Bridging, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Uswitch Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Official website
uswitch.com

Mortgages

Initial rate
4.75% (Source, checked September 26, 2026)
APRC
5.8% (Source, checked September 26, 2026)
Fixed period
2 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
£1,004 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Uswitch Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXTrustpilotLinkedIn

Pros and cons

Pros

  • Loans carry an origination fee of 0, so nothing is charged to set up the credit
  • Borrowing spans £1,000 to £50,000 and applications start with a soft search credit check, soft prequal
  • A single search covers personal, debt consolidation and secured
  • Authorised and regulated in the UK under 312850

Cons

  • Support runs on email and help centre, so there is no phone line
  • It is a broker, broker, so a lender sets the final terms rather than Uswitch
  • Home improvement is the only use case listed under home improvement
uSwitch

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Borrowers who want a single application form covering many lenders instead of a single provider
  • Shoppers who value an origination fee of 0 on loans over a mortgage product fee of £1,004
  • Mortgage buyers covering purchase, remortgage and first time buyer

Who should look elsewhere

  • Monzo Flex, if you would deal with a lender rather than a broker and amounts of £10,000 to £35,000
  • Cashspace, if you are borrowing in another currency where amounts run PHP 500 to PHP 25,000 rather than UK pounds

Who runs it

Uswitch is a broker, and the legal entity is Uswitch Limited, based in the United Kingdom and founded in 2000. Support runs on email and help centre. It is authorised by the Financial Conduct Authority under 312850, and Dot Zinc Limited holds consumer credit permission under 415689, with RVU Services Limited acting as appointed representative under 1007258.

How uSwitch compares

Where uSwitch is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (Dot Zinc Limited, consumer credit) (415689), checked September 26, 2026
Licence in United Kingdom
Financial Conduct Authority (Uswitch Limited) (312850), checked September 26, 2026
Licence in United Kingdom
Financial Conduct Authority (RVU Services Limited, Appointed Representative) (1007258), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is Uswitch a lender or a broker?+

Uswitch is a broker, so it passes your details to lenders and they decide whether to approve. The legal entity behind the service is Uswitch Limited. You apply to the lender you pick, not to Uswitch itself.

What fees do I pay to set up a loan?+

Personal loans carry an origination fee of 0, so nothing is charged to arrange the credit. Mortgages work differently: the product fee is £1,004, and that is the cost to weigh against the rate you are quoted.

How much can I borrow and for how long?+

Loan amounts run £1,000 to £50,000 and terms run 12 to 96. Home improvement is the listed use case under home improvement, and the same broker search also covers personal, debt consolidation, secured, car, guarantor, bridging and business lending.

Will applying damage my credit file?+

The credit check is a soft prequalification, soft prequal, so the initial search leaves no hard mark on your file. A hard search usually comes later, when a lender you have chosen asks for a full application.

Is Uswitch regulated in the UK?+

Yes. The Financial Conduct Authority authorises Uswitch Limited under 312850, and Dot Zinc Limited holds consumer credit permission under 415689. RVU Services Limited also appears as appointed representative under 1007258, which covers the broker side of the service.

What mortgage deals are available?+

Purposes listed include purchase, remortgage and first time buyer, and the headline initial rate is 4.75% with a fixed period of 2. Expect a product fee of £1,004 on top, which is the main cost outside the rate.

How do I get help if something goes wrong?+

Support runs on email and help centre, which means email and a help centre rather than a phone line. If you would rather talk someone through a disputed application, a lender with phone support may suit you better.

Sources

  • uswitch.com/about-us checked September 26, 2026

    Backs: Founded, Support channels

    “Since we launched in September 2000, we've helped customers save over £2.7 billion on their bills”

  • uswitch.com/loans checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity, Lender type, Loan types, Arrangement fee, Term, Licences

    “Check your eligibility without impacting your credit score”

  • uswitch.com/loans/personal-loans checked September 26, 2026

    Backs: Loan amount, Use cases

    “Typically, unsecured personal loans are for borrowing anywhere from £1,000 to £25,000. However, some providers may let you borrow up to £50,000”

  • uswitch.com/mortgages checked September 26, 2026

    Backs: Initial rate, APRC, Fixed period, Maximum loan to value, Product fee, Purpose

    “Barclays Bank, 60% LTV | 2 Year Fixed: Initial rate: 4.75% | APRC: 5.8%”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Funding time, Representative example.

uSwitch

uSwitch

Comparing many lenders through a single form, then applying to a chosen lender.

8.8/10See alternatives

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