Get a professional mortgage advice service from an independent UK mortgage adviser

So if you are seeking a new mortgage or re-mortgage, you are really left with three options

1. Do your own detailed research on the thousand or so products out there.
2. Put yourselves into the hands of a small number of high street lenders, who will offer a mortgage product which is probably averagely OK but not necessarily the most competitive in the market place.
3. Employ an independent adviser such as Better-Mortgages co uk Ltd to give you a professional mortgage advice service which will identify the best mortgage product for your circumstances, while making the whole process as easy as possible for you.

In the first case this is what you face: Over the last ten years or more, the mortgage market has become more and more complex. There are many lenders (running to triple figures) operating in the UK . Many of them do not operate high street offices and their products are not available directly to the general public. It's estimated that there are over 5000 mortgage products available in the market at any one time, with new products being released and withdrawn daily. One specialist mortgage research software provider estimates that lenders make 800 requests per week to change mortgage product information on their system - that's over 400,000 changes each year! It's one of the reasons why more people are seeking the help of a professional adviser offering an independent advice service . It's a full time job even for a professional mortgage adviser to keep track of the continual changes in the market

There are a number of websites where it is possible to do basic comparison of headline rates and mortgage types to come up with a shortlist of possible products. Many of these sites do not offer an advice service so you would have to be prepared to read the specific contractual and structural detail of each product, in order to compare and make the correct selection yourself.  Needless to say this is not always easy.  It is possible to choose a mortgage with the lowest headline interest rate, which could cost you more overall than another product, simply because of front-loaded charges outlined in the 'small print'. Some of the mortgage comparison websites also cannot be classed as independent since they may offer products from only a limited number of lenders.

In the second case you could put yourself in the hands of a high street lender. If you don't already have a favourite high street lender, you might first want to spend some time with each lenders adviser, giving them your details to see what they suggest from their limited portfolio of products. You would probably spend an hour or so in each meeting, so if you've got six lenders in your high street, that's pretty much your whole Saturday gone just checking out what's available on your high street. You still have to compare the details of the mortgages suggested so see which is best for you overall. By the time you've made your selection you will have a mortgage which is probably OK - it won't necessarily be the best, but it probably won't be the worst. While high street lenders adviser will deal with you in a professional manner, their advice service is obviously not independent - they only try to shoe-horn you into one of their standard products and very few will recommend you take a competitors mortgage instead!

However if you have any peculiarities or issues with you finances, such as debt problems, uncertain levels of income (self-employed, contract workers etc.) and so on, the high street lenders start to get a little twitchy. They like safe steady customers who are virtually guaranteed to keep making the mortgage payments. They tend to shy away from people who look like they might be a risk (even if you've never missed a bill payment in your life), so there is a chance in these cases that your high street lenders may turn their backs on you and refuse a loan. Whatever your financial issues were before, they're now worse because when you get refused a loan, that information goes on your credit rating and makes getting a mortgage or loan just that little bit harder for even a professional adviser to find you a suitable product..

Finally you have the third option - using an professional mortgage advice service from an independent mortgage adviser. There are many advantages to obtaining a full professional mortgage advice service. It will save you time - spend an hour or so giving your details just once - getting a professional adviser to do the research using the latest mortgage research tools and technology (and he'll read the small print) - choosing from all mortgage products currently on offer, including those not available on the high street - and not least ensuring your getting the right mortgage without paying too much. Click here to read more reasons why ...

Better-Mortgages co uk Ltd will give you an independent professional mortgage advice service, including full research, recommendation and application. You can be sure that our fully qualified mortgage adviser will give you objective advice based on your needs and requirements, so if you want to take advantage of our independent mortgage advice service just click here to fill in our mortgage enquiry form. We offer a free basic financial review to ensure that there are no issues with your financial status, and that we are sure we can find you a lender who will loan you money you need.

We aim to get back to you within 24 hours (but can often respond within 3 to 4 hours for straight forward cases) to let you know we can definitely find you a lender who will agree a loan. We will give you all the information you need to take advantage of our mortgage advice service if you wish to do so.

Thank you for coming to the Better-Mortgages website and we look forward to being of service to you.

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