Why use a mortgage broker?

Man looking puzzled, surrounded by question marks

You might ask what do they do that you can’t? Why should you pay for their services when you could do it yourself for free?

There are many costs when you move home or remortgage, a mortgage broker should be considered a part of the overall process. Don’t be put off by the fee and be tempted to go it alone.

Mortgage advice from a broker is an invaluable service.

Brokers know the industry

There is lots to consider when choosing the right mortgage. It’s not as simple as finding the lowest rate. You need to understand the lender’s criteria, affordability assessments, what fees are involved, and depending on your circumstances, ensure that a lender supports your requirements or a scheme that is involved. 

A broker deals with lenders on a day-to-day basis, so they’ll know the lending criteria and what the application process is like for each one. Their experience will be crucial when advising you and processing your application. 

All advisors at Choicemortgages are qualified and we are an independent mortgage broker. You have confidence in receiving advice, not just information from a call centre. You can speak to an advisor within 24 hours of making contact and you will receive a recommendation based on all lenders, therefore saving you significant time approaching several companies.

You are protected

When you receive mortgage advice, your mortgage broker has a duty of care to you. They have to recommend a suitable mortgage and be able to justify why the particular mortgage they have chosen is right for you. If their advice is not suitable, you can complain and be compensated.

In contrast, if you go direct to a bank or building society, don’t take advice, and end up with a mortgage that later becomes unaffordable, you may not have so much legal recourse.

Choicemortgages have a team of qualified advisors. We offer you a valuable layer of protection.

A broker is on your side

An independent mortgage broker will look for the best mortgage for you. They are not on the lender’s side, they are on yours, and they’ll give you access to far more products than if you went direct. They might even have exclusive products that are not available direct. 

At Choicemortgages you get unbiased advice and guidance as to the whole administration process.

It’s not just about the mortgage

At Choicemortgages we also ensure that you have been made aware of any related insurance requirements. Whether it is home insurance or personal protection; life cover, critical illness cover, income protection. We want to ensure that once you move into your new home, no matter what event may arise, you have the appropriate insurance in place to protect you.

We’re here to help

We have a team of advisors with many years of experience who would be happy to discuss the requirements and options available.  Please contact us on 01780 480600.

We're here to help

Your local independent experts

  • Unbiased advice with access to the entire mortgage and insurance marketplace
  • We offer a free no obligation consultation over the phone or in person
  • We are open six days a week

Call us on 01780 480600

Open today until 6pm

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Choice Mortgages have provided me with a fantastic consultative service for over 10 years. I've had absolute peace of mind that everything related to my mortgage, home insurance, life insurance and critical illness insurance has been in hand. Nicki and the team have always given me informed guidance and I've had every confidence in their recommendations and products. A first-class service that I wouldn't hesitate to recommend.

A first-class service that I wouldn't hesitate to recommend.

Emma and her daughter