The short answer is yes! Perhaps you could say we’re a little biased, Mortgage Advice being our profession and all, but speaking to a Mortgage Adviser is a sensible decision for several reasons.

What are those reasons, you ask? Read on to find out!

1. Get “qualified” to buy a house
2. Access to a range of lenders

Don’t worry – you don’t need to take any exams for this “qualification”! All we mean by this is a Mortgage Adviser can get you an Agreement In Principle, which is a certificate from a lender to say that you are eligible for a mortgage.

This certificate is a golden ticket to an Estate Agent, as this shows them that you are a serious buyer, meaning they will take you more seriously in return. So, not only does mortgage advice help you out during the house-buying process, but it also helps you out during the house-hunting process!

Sometimes, the best mortgage deal for you isn’t with a high-street lender. Independent Mortgage Advisers have access to hundreds of lenders, not just widely known banks and building societies.

You are more likely to find the best deal/rates for you if you speak to an Adviser, as they can access more lenders and therefore more options.

1. Get “qualified” to buy a house

Don’t worry – you don’t need to take any exams for this “qualification”! All we mean by this is a Mortgage Adviser can get you an Agreement In Principle, which is a certificate from a lender to say that you are eligible for a mortgage.

This certificate is a golden ticket to an Estate Agent, as this shows them that you are a serious buyer, meaning they will take you more seriously in return. So, not only does mortgage advice help you out during the house-buying process, but it also helps you out during the house-hunting process!

2. Access to a range of lenders

Sometimes, the best mortgage deal for you isn’t with a high-street lender. Independent Mortgage Advisers have access to hundreds of lenders, not just widely known banks and building societies.

You are more likely to find the best deal/rates for you if you speak to an Adviser, as they can access more lenders and therefore more options.

3. Compare mortgage deals

If you are re-mortgaging, an Adviser can compare your current lender’s rates vs. an alternative lender, as well as figure out whether it’s worth paying an ERC if you want to re-mortgage before your current deal expires. Above all, they will provide you with advice on any potential blind spots you may have and consider your future needs and how your choice of mortgage may impact those needs. They can future-proof you from rate changes, restrictions, penalties, and much much more.

4. Speed the process up

A lot of paperwork and research goes into a mortgage application. An Adviser will compare mortgage deals and do the research for you, as well as help you complete all the paperwork at a much faster pace, as well as upload them to the lender for assessment.

5. Liaise with lenders and solicitors

At Integra Financial, we know that our clients are busy with work or taking care of children. So, our team of Advisers and Administrators are happy to chase lenders and solicitors for updates on your case and ensure that things are running smoothly.

6. You are protected

Last but certainly not least, because mortgage advice is regulated, you are protected.

If you don’t speak to an Adviser, you must take full responsibility for your decision. This means that if the deal you select turns out to be unsuitable, you must either continue to pay a costly mortgage, or re-mortgage, which could mean a costly Early Repayment Charge.

On the other hand, if you speak to an Adviser and find that the deal they selected is unsuitable, you can complain to the Financial Ombudsman Service. However, because Mortgage Advisers are qualified, experienced, and regulated, it is highly unlikely that you would ever need to do this!

So, there you have it, 6 reasons why Mortgage Advisers are indeed worth it, in our totally unbiased opinion.

Jokes aside, even if we aren’t the Advisers you choose, we always recommend seeking mortgage advice from an independent Adviser, so there is no bias towards any lender and any decision made has your best interest at heart.

If you have any questions or want more information

Then please feel free to contact our friendly staff via telephone: 0117 251 0083

Or email: enquiries@integraf.co.uk

Or, if you’re interested in purchasing or re-mortgaging, why not check out

Our mortgage calculator: https://www.integraf.co.uk/calculators/mortgage

We hope to hear from you soon!

PLEASE NOTE: A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. We offer a comprehensive range of mortgage products from across the market. We offer both first and second-charge mortgages, but not deals that you can only obtain by going direct to a lender. For those seeking to increase their existing borrowing, alternative finance options may be available and more appropriate for your needs. For example, a further advance from your existing lender or an unsecured loan (e.g., a personal loan).