Why use a broker rather than a high street bank?
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Mortgages are a lot more difficult than they first appear. Knowing what rate, what term, what lender, what features, what insurance are all time-consuming and complex matters.
There's an awful lot to think about when choosing the right mortgage. It's not as simple as just opting for the cheapest mortgage you can find!
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 could choose from a range of lenders and subsequent products, rather than being restricted to the single range of the lender you went to.
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.