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25 Aug 2021

When to Use an Online Mortgage Broker

If you’re currently looking to find a mortgage (with a good deal, obviously) you might be wondering whether it’s best to get help from a mortgage broker or to do it alone. Finding the right mortgage for you and your budget is important, purchasing a house is one of the biggest financial commitments you’ll have in your life, so you want to make sure you get it right!

Online mortgage advisors have become more and more popular due to making the mortgage process easier. They can offer expert advice on mortgage options from the comfort of your home, saving you both time and money by finding the right mortgage suited to your individual circumstances (all whilst you chill in your pjs!)

With expert industry knowledge, mortgage advisers can find the best deals specifically for you and your budget with a range of different lenders that you may have never come across, and you won’t have to wait weeks for an appointment.

To work out whether you need to ring the ‘help’ bell from an online mortgage broker or not, we’ve investigated which circumstances will benefit you the most when using one.


When you should consider using an online mortgage advisor:

You don’t have time for meetings with your bank or mortgage broker

Finding a mortgage can be time-consuming, finding a good mortgage will take even longer. You want to make sure you’ve got the best options available for you but if you don’t have the time to sit through meetings with an advisor, that’s where an online mortgage broker comes in.

All that’s required of you is to answer a couple of questions about yourself and what property you’re looking for. The beauty is you can fill this in whenever suits you, whether that’s at 10pm when you’re cosy in bed or at 8am whilst you’re on the train to work. After a few clicks, a range of deals suited to you will be at your virtual fingertips!

You won’t need to compromise on getting professional mortgage advice either, as a team of fully qualified mortgage advisors will be on hand to provide advice when needed.

You’d like advice on what mortgage options you have

By not going directly to your bank for a mortgage, an online mortgage broker can help find a range of different options for you, tracking down the best deals.

Gaining professional mortgage advice can help take the pressure away from yourselves, alleviating the additional stress that comes with searching for a new home. Online mortgage advisors make the process so much simpler and there will always be a team member on hand to answer any queries you have.

You’re re-mortgaging your property

If you’re in the process of re-mortgaging your home, you will want to find the best deal available to you. To make sure you benefit financially from the re-mortgage, getting down-to-earth mortgage advice from a professional is essential.

Doing this via an online mortgage broker can not only save you a lot of money, it will also save you time. All details will be reviewed by a fully qualified mortgage broker who will provide you with professional advice and keep you in the loop at all stages. 

You’re freelance or self-employed

It can sometimes be trickier for freelancers or the self-employed to get a mortgage, making the process much more stressful. For situations like this, getting professional advice and guidance is even more important. Not only will it put less pressure on yourselves, but you will also get the right help and advice by using a mortgage broker. Using an online mortgage advisor also allows you to work around your own busy schedule.

You’re a first-time buyer

Buying your first home should be an exciting experience, this new chapter of your life is something you want to enjoy but being new to the world of mortgages can be daunting. That’s why choosing an online mortgage advisor is great for first-time buyers, it’s less stressful and can help you work out what you can afford, and which mortgage deals will be best suited to you.

If you’re interested in using an online mortgage broker, we’d love to help you here at Mortgages Online, start the process here.


Andrew Montlake

As Managing Director, Andrew looks after the strategic goals that drive the vision and culture of the company, maintaining and promoting our Brand, Marketing, PR & Communications, as well as looking after our Corporate, Introducer, and Lender relationships.

He is the author of a highly acclaimed Mortgage Blog and host of our successful Mortgage & Property Podcasts and he has also won 8 major industry awards; Best Press Spokesperson (twice), Best Marketeer (twice), Mortgage Personality of the Year (twice), Mortgage Strategist of the Year and most recently Best Business Leader Broker (11-50 brokers).

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