Why do I need a mortgage broker?

28th March 2020

If you’re moving home and need a mortgage or are looking to remortgage your existing property, a specialist mortgage adviser can be your best ally and remove a significant element of stress from your moving process. You should always talk to an independent mortgage broker who isn’t tied to specific mortgage lenders and can recommend the best mortgage deals from the whole of the market.

An expert mortgage adviser will have experience of all types of mortgages and access to all the latest mortgage products, interest rates and incentives and can often get a better deal than you could if you went direct to the lender.

Your mortgage broker will provide you with an ‘Initial Disclosure Document’ that will outline all the services they proved and whether or not they can recommend all mortgages that are available on the market – some lenders only offer mortgages through certain brokers.

If you have unusual circumstances or specific requirements, appointing an independent mortgage adviser will always be your best bet. For example, if you’re self-employed and depend on irregular freelance earnings, commission or bonuses, if you’re a first-time buyer, need a bridging loan or are remortgaging – talk to a specialist mortgage adviser to ensure you receive the best advice.

Call us today on 08454 500200 or click here to find out more about our specialist mortgage services.

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We were very impressed with the service we received at Charters. Chawley and Cara were incredible and supported us every step of the way from initial enquiry to owning our new home. As first time buyers it felt quite daunting and Chawley was able to offer simple explanations and guidance which put us at ease. We were so impressed we were able to get a mortgage offer during a global pandemic and I put that down to the hard work of the team at Charters. 100% would recommend if you want friendly and knowledgeable staff who seem to really care and are on your side during what is usually a very stressful time.

Sam C

November 2020

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