What your bank won't tell you

You need someone who is not linked to a bank or lender and who can look at the whole of the mortgage market for the cheapest monthly payment

A broker can look at the whole of the market for you so, while your bank is a great place to start, you really should look at a few different options.  Your bank will only be able to offer one range of products: its own.  This will not give you any idea about what else is out there, in fact, they won’t encourage you to look but we think it’s really important that you do.

In our experience, banks are trying to claw back mortgage business and will often push a 5 or 10 minute conversation and a credit check on you when you’re in there for other business.  After this all too brief chat, we find that banks are giving customers vague ideas as to how much they can borrow and telling them to go out house shopping.  Unfortunately this all too often results in the customers returning to their bank to be told that the offer doesn’t actually exist or that they don’t actually qualify for it.  We don’t think 5 or 10 minutes is enough or that it is fair to credit check clients without going through the things properly.

After all, you don’t settle on the first plumber’s quote you get or the first car insurance quote you get and just think how much more is at stake with your mortgage.  Our brokers will always spend time with you, whether face to face or over the phone, to make sure you get the best mortgage deal available to you.

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