Buying a house and arranging a mortgage are the biggest financial commitments
most of us will make in our entire lives. It is therefore essential to choose
the right mortgage or home loan and avoid paying over the odds.
Borrowers are spoilt for choice these days, with mortgages to suit every need:
from first time buyers and remortgages, to the self-employed and even those
with a bad credit history. The sheer variety of mortgages on offer can make the
decision harder to make, especially in view of the busy lifestyles many of us
lead today.
Independent financial advisers and mortgage brokers can save valuable time and
money by sifting through the vast array of mortgage deals on offer. They can
help ensure you pay the best interest rate on your mortgage, whether you opt
for a long term or short term
fixed rate,
discount or
variable rate mortgage.
The rise in more complex mortgages – such as
all-in-one accounts and
offset mortgages, which offset savings against borrowings – has also
increased the need for independent advice. Likewise, financial advisers can
take you through the fees and charges imposed by mortgage providers and guide
you to the most efficient providers, which won’t hold up the house buying
process with lengthy mortgage processing times.
It is worth remembering that some mortgage advisers are tied to certain
lenders, so check if they are truly independent and have access to all UK
mortgage providers before taking advice. It may also be worth checking if they
cover all customer categories, in particular if you are looking for more
specialised advice on, for example, overseas mortgages,
equity release products or
buy to let mortgage loans.
To search My Local Adviser for
mortgage advisers click here.
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