The top six reasons to use a mortgage broker

Thinking of getting a mortgage? Don’t know where to start? Do you go to your bank? Or where else is there to turn?

There really are lots of options when it comes to getting a mortgage and it can be overwhelming, especially if you’re a first time buyer.

With the help of a qualified, experienced mortgage advisor, it doesn’t have to be. In fact, using the services of a professional can save you time, money and hassle and give you added peace of mind.

Thanks to our partnership with Mortgage Advice Bureau we have a dedicated financial advisor on hand to give you help and advice throughout your home buying process with homes4u. Amber Hill has six years experience in the industry and has previously worked as a mortgage and protection consultant for Countrywide where she was one of the top performers.

There are over 11,000 mortgage deals available to choose from on the market from over 100 lenders. We can find the best one that suits your unique circumstances. On average Mortgage Advice Bureau achieve 10-20% more borrowing than going directly through a bank.

With that in mind, here are Amber’s top six reasons why it’s better to use a reputable mortgage broker than go it alone. Over to Amber:


Allowing me to do the legwork for you gives you extra time to spend on the fun parts of moving home, such as searching for the right property and choosing the perfect fixtures and fittings. After all, who doesn’t love a bit of interiors shopping?! 


I’m a mortgage advisor with access to over 10,000 products from 119 lenders. In simple terms, that means I’m on your side! I’m here to present you with your best options and I am not limited to one lender’s range of products. So, I’ll give you my unbiased advice and help you to choose a deal that not only suits your financial situation, but that also potentially saves you money. 


Of course, saving money is an important part of choosing a mortgage, but it isn’t always as simple as opting for the cheapest rate. I also take your personal circumstances into account, meaning that I can tailor my recommendations to suit your specific needs. For example, you may be self-employed or a contractor. Perhaps you have a poor credit history or have only recently started a new job. These are all reasons to use an experienced mortgage advisor — I know which lenders are comfortable with more unusual circumstances and can cut out the ones that aren’t. 


In the past five years, the criteria to secure a mortgage has tightened, with borrowers now having to prove they can afford their repayments. This can make the task of securing a mortgage more drawn out, with extra checks having to be made. An experienced broker who understands the market will ensure that you have all of your paperwork in place, limiting any unexpected delays. Myself and my administrator, Mandy, also keep in close contact with the lender, chasing deadlines and driving the process forward. 


When you purchase a home with a mortgage, you are obliged to buy building insurance too. As I work with some of the UK’s leading insurance providers, I can find you the most competitive rates. That’s not all, I offer advice on a range of other protection policies, such as mortgage, income, redundancy, life and critical illness, making me a one-stop shop for all your insurance needs, saving you the need to search around. 


I will never pester you or send you endless marketing materials. However, if you give me permission I would like to keep in touch. I’ll notify you when your fixed period is up, so that I can review your options and ensure that you’re always getting the best deal.

So, if you’re ready to make the move, secure a mortgage, or even looking to remortgage then get in touch.

Email me at or call 0161 236 0202/07939 815004 for a no-obligation consultation.

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