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Why use an independent mortgage adviser?

Why use an independent mortgage adviser?

Why use an independent mortgage adviser?

With plenty of mortgages deals on the market, it’s hard to know where to start. Using an independent mortgage adviser such as Mosaic Mortgages can help your mortgage choice significantly.

It can be quite challenging to match the most suitable mortgage product to meet your individual circumstances, which is why going to an independent mortgage adviser can really benefit you. Above all, a mortgage adviser takes all of your circumstances into account and makes a recommendation based on your requirements. Having a full recommendation service, alongside the benefit of unique advice, will help to make your mortgage decision not only clearer, but also easier.

This is a lot more beneficial in comparison to solely opting for the ‘cheapest’ mortgage rate going. Simply choosing a seemingly cheap deal may not benefit you in the long run, as you could be at risk of selecting a product that’s no where near suitable to your circumstances at the time. In addition, taking out a mortgage over the Internet or by phone may not give you the option to get the advice you need.

Mosaic Mortgages can offer you the option of independent advice, however, we are aware that not everyone is willing to pay for that advice. With this in mind, we have decided to charge just £99 for receiving a recommendation, in order to ensure everyone has access to independent advice.

We’ll also offer key facts illustration, should a ‘Lender Direct’ product be more beneficial for you; if this is the case then we’ll allow you to choose whether you’d like to be offered schemes from lenders that wouldn’t pay us a fee. After all, we’re not working under any sales target; we’re heavily dedicated to working towards providing you with the best possible deal.

The difference between mortgage ‘information’ and advice

If you receive written information about particular mortgage products, it doesn’t necessarily mean you’ve received suitable advice. Mortgage advice takes an individual’s circumstances into consideration, before advising on a product that may be suitable. Mortgage information on the other hand, may just comprise of product information.

Banks for example, can only offer their own mortgage products and usually only offer an information only service, which means you’ll have to make an independent decision and choose from their range of products yourself.

At Mosaic Mortgages, we’re committed to finding a deal to suit you. Contact us today for more information.

The author, Shaun Bielby has over 25 years experience in financial services and is a specialist mortgage and protection advisor with Mosaic Mortgages who are mortgage brokers that give independent mortgage advice to first time buyers, borrowers with an adverse or bad credit mortgage history or those looking to invest in buy to let.