Top 5 reasons why you should use a mortgage advisor

3rd February 2017

5 key reasons why you should use a mortgage advisor

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Comparing mortgages online is a good starting place for a general understanding of the market. But, choosing a mortgage is far more complicated than just getting a low rate or the best incentives. A professional mortgage advisor will provide a level of service that cannot be attained from a high street lender or comparison site. They take the time to access your personal needs and circumstances to ensure that you get the product that’s right for you. They can compare hundreds of mortgage quotes and access a number of products that are only available to mortgage advisors.

Tailored mortgage advice

A mortgage is the biggest commitment most people will ever make. It is often a daunting process for a lot of people and can be risky if you do not seek professional, financial advice first. Lenders can tell you about their own products, but are often unable to advise you about other options available on the market, which may be more suited to your needs.


Mortgage advisors usually charge a small fee for their services. However, they have a duty of care to you. They have to recommend a suitable mortgage and be able to justify why a particular mortgage they have chosen is right for you. If you are not happy with their advice, you can complain and and if the complaint is upheld receive compensation.

A helping hand

Mortgage advisors help relieve the stress and hassle of the mortgage application procedure by arranging it for you. They are used to dealing with lenders and can process your application quickly, with many larger brokers also having direct access to the underwriters themselves.

The benefit of this is that they can discuss any potential complexities with a particular case from the very beginning. Preparing all the documentation and liaising with the lender, estate agent and solicitor to ensure deadlines are met, is a time consuming process and this is all part of the broker’s service to you.

Personalised aftercare

Once your mortgage application has completed, you will receive a personalised aftercare service from your mortgage advisor. This is optional, but the benefit of this service is that they will let you know when your product is due for renewal, and provide you with some helpful advice if you find that your circumstances change.

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