Why Use a Mortgage Broker?...

Choosing a mortgage is far more complicated than simply opting for the lowest rate or the best incentives. Finding out what rate, what term, what lender, what features and what insurance are all time-consuming and complex matters. We consider all your circumstances before we recommend a suitable product.

Using a mortgage broker is an increasing trend. The rules for taking out a mortgage have become increasingly complex due to new regulations and this means that borrowers want specialist advice from brokers. It is now harder to borrow money than ever before.

Mortgage advice, from a reputable broker, can be an invaluable service, and here is why…

You are protected
As mortgage advisers we have a duty of care to you. Our recommendations must be the most suitable for your needs; it is our responsibility to ensure affordability and we should be able to justify why this is right for you. If our advice is not up to scratch you can complain and be compensated, which adds a valuable layer of protection.

We are qualified
All mortgage advisers have to be qualified to give you mortgage advice.

We are on your side
As a mortgage broker, we will look for the best mortgage for you. We are working for you and guarantee you access to far more products than if you went direct to any bank or building society. We give you unbiased advice and search the whole spectrum of lenders.

We know the industry
The Mortgage Market Review has tightened lending criteria; new regulations ensure borrowers can prove affordability, even in the event of a rise in interest rates. We understand the regulations and deal with lenders on a day-to-day basis, so we know how to smooth the application process and which lenders can process your application with minimal delays. We also know the criteria that all lenders have and we offer our experience when advising you and processing your application.

It’s not just about the mortgage
We won’t just advise you about your mortgage. We can look at any related life insurance, payment protection and even buildings and contents insurance needs you may have. We can recommend insurance based on your new mortgage arrangements to make sure you are fully protected in the event of death, critical illness and redundancy.

Don’t be put off by a fee
We provide a professional service and we are fully qualified. In order for our business to exist we need to make money and we do this by charging a fee or a commission.

• Fees: This could be a one-off fee for advice, or a fee that pays for advice throughout the term of your mortgage (if you need to remortgage, move home, etc.).

• Commissions: Lenders and insurers may decide to pay us commission for putting your business their way.

All mortgage brokers are required to provide you with a Key Facts document about our services and details of all our fess will be provided in this document.