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A Guide to Independent Mortgage Advisors

Welcome back to another MO article! This week we’re talking about, you guessed it, mortgages! More specifically, as the title suggests, we’re looking at Independent Mortgage Advisers. If you’re looking for information on who they are, what they do and why they’re so useful, you are in the wrong place…

Just kidding, we’ve got everything you need to know, right here. ALL ON THIS PAGE. So, look no further for info on independent mortgage advisers. We’ve got it all here for you.

What is a Independent Mortgage Advisor?

The ultimate question… what does an independent mortgage adviser do? If you know the answer, or have googled it, well done – please proceed to the next section. However, for those that aren’t too sure, it’s not overly complicated. An independent mortgage adviser is someone who provides impartial advice on your mortgage options. They’re not part of a mortgaging company or bank, but they work independently to help assist you in finding the right deal for you. You use their service when you want to find the best and most ideal mortgage for you. It’s key to remember that they do charge for this though, but it’s their job. Below, we’ve got 3 reasons you should have independent, mortgage advice.

mortgage adviser talking to a client

3 Reasons to use an Independent Mortgage Adviser

  1. They’re unbiased

Your independent mortgage adviser, like we’ve mentioned, doesn’t work for a bank or lender. They’re not trying to sell you a mortgage that isn’t right for you. They’re impartial, and their service means that they’re dedicated to helping you find the best mortgage for you. One that’s ideal for your income, situation and with the fairest rates they can find. It’s a valuable service that can really help you when searching for a mortgage.

  1. They know the tricks of the trade

Yes, another important quality is not only what they know, but who they know. By this we mean that independent mortgage advisers have access to brokers and lenders that you may not be able to find yourself. They’ll be able to search for a mortgage not available to you if you were searching on your own. It is essential to use an independent mortgage adviser if you want all the options available to you – for access to the deals, not searchable on the web.

  1. They have the knowledge

Finally, if you’re unsure about the whole mortgaging process, and want someone to guide you through the stages, then an independent mortgage adviser can. They’ve trained to know mortgages, inside and out, and help and advise you on the best options and the entire process. Because advising is what they do (it’s in their job title, so…).

It’s advisable to use an independent mortgage adviser because you need to know what sort of mortgages you can get. They’ll be unbiased, know of deals and rates that you may not be able to find on your own, as well as having the knowledge of the mortgage market – to help and advise you throughout. Just remember to seek an independent adviser, one who is not linked to a lender. Independent mortgage advisers are impartial and won’t try and sell you a mortgage that isn’t for you. They'll help you understand things like stamp duty, you credit score, the different between mortgage brokers and building societies - pretty much everything! They're mortgage advice whizzes. It doesn't matter if you're first-time buyers or looking to remortgage, mortgage advisors are here to help.

If you’d like to see your mortgage options, use MO. We compare thousands of deals and return you a personalised mortgage quote. One that’s ideal for your situation. Whilst it’s great to seek advice, you can save yourself some time by taking mortgage quotes you’ve received to an independent adviser to review. Mortgages made easy by Mortgages Online.


Laura Waller

Laura Waller has been working in the mortgages industry since 2013, joining an independent brokerage in Essex. Laura has CeMAP 2 & 3 – Certificates in Mortgages Advice and Practice. Since then Laura oversees marketing for Mortgages Online, using her experience and expertise to write articles and blogs about mortgages and related topics.

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