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Why use a mortgage broker?
by Content Team

If you're asking yourself this question, it can be more than tempting to be in control and deal with lenders directly. However, you may want to think twice. Advice from a reputable broker can be highly valuable - have a look at some of the reasons...

A broker is on your side

An independent mortgage broker will look for the best mortgage for you. They aren't on the lender's side, they're on yours, and they'll give you access to far more products than if you went direct. You'd get unbiased advice and would be able to choose from a range of lenders and subsequent mortgages.

They know the industry

The mortgage industry has become more complicated over the years.

That's why it's so important to stay in the loop – and to have a mortgage broker on your side who understands it all. A broker deals with lenders on a day-to-day basis, so they'll know what the application process is like for each one and can tell you which lender can process your application with minimal delays.

They also know the background criteria that a lender has and can bring this experience to bear when advising you and processing your application.

It's not just about the mortgage

A mortgage broker won't just advise you about your mortgage. They will also look at any related life insurance, payment protection and even buildings and contents insurance you have.

They will recommend insurance based on your new mortgage arrangements to make sure you are fully protected.

The value of advice

Mortgages are a lot more difficult than they first appear. Knowing what rate, term, lender, features and insurance to get are all time-consuming and complex matters.

A mortgage broker takes your whole circumstances into account to recommend a suitable product, and it's that thorough, professional look at your finances that makes a mortgage broker invaluable.

Buying a home can be scary - Give us a call we are here to guide you through the process.