Why use a mortgage broker?

Mortgage advice, from a reputable independent broker like Higginson Mortgage Services Ltd, can be an invaluable service – and here's why…

You are protected

Firms like us are authorised and regulated by the Financial Services Authority

Mortgage brokers are qualified

Our Managing Director Emma has obtained the Certificate in Mortgage Advice and Practice (CeMAP) and the Advanced Certificate in Mortgage Advice and Practice ensuring that you receive the right advice at all times.

Exclusive mortgage deals

Brokers like us have access to exclusive mortgage rates which you won't find on the high street  

Brokers can help you find a mortgage in difficult circumstances

Remember only a broker dealing with the whole of the market will be able to source a mortgage if you have difficult personal circumstances such as poor or adverse credit.

Likewise some lenders will not consider some property types or those with an unusual construction. Only an independent mortgage broker can point you in the right direction.

Independent mortgage advice

As an independent broker we can provide advice on a whole of market basis. We have access to thousands of mortgage products and our sourcing software is updated daily meaning you get the best deal.

Remember if you go to your bank they can only offer advice on their own products. Likewise some brokers work from a restricted panel of lenders, again limiting your choice.

You will receive a mortgage appropriate to your needs and circumstances

During our discussions with you we will conduct a full factfind to establish your preferred mortgage type, attitude to risk, work out your budget and highlight any protection needs.

Our quality advice will ensure you obtain a mortgage which is affordable and appropriate to your needs. Our advice is always confirmed in writing detailing why we have recommended a particular product or course of action.