Why is it worth paying for comprehensive mortgage advice?

by | Wednesday 15th Nov 2017 | Mortgage Insights

comprehensive advice

If you’re in the market for comprehensive mortgage advice, you have more options to consider than ever thanks to the reach of the internet and social media.

Alongside more traditional financial institutions such as banks and building societies, there are services out there that allow people to compare mortgage offers and rates, mortgage calculators, DIY ‘build it yourself’ mortgage services and much more besides.

Fantastic from a consumer-choice point of view perhaps; scratch beneath the surface though and a whole host of issues can crop up.

Buyers may be getting some semblance of mortgage information, but at the same time they could also be opening themselves up to greater financial risk.

This is why we recommend you seek comprehensive mortgage advice from a professional service dedicated to working not just on your behalf, but alongside you to broker the best mortgage possible for your needs.

Bespoke mortgage advice in London and the South East

One of the biggest benefits of seeking comprehensive mortgage advice from a professional broker is the long-term, holistic partnership they’re willing to build to help buyers navigate what is a constantly changing and often volatile financial marketplace.

For instance, consider the news of buy-to-let mortgage rates rising in response to an increase in the base rate. It’s one of the reasons why many recently rushed to try and secure a fixed-rate deal as a form of insulation against the changes.

Fair enough and expected, you may think. Facing any rush to get a deal though, and with so many online options to consider, the breadth of the internet can be a daunting prospect for mortgage-seekers.

Personable mortgage advice from a broker who understands you

Professional brokers need to be qualified to offer consumers mortgage advice. A mortgage broker also has a duty of care to provide the best mortgage possible for clients (if they don’t, customers can complain and get compensation, offering an extra level of protection).

The right broker keeps their ears constantly to the ground to keep abreast of the industry and foresee any forthcoming changes, not just to keep informed but to be able to provide consumers with the absolute best bespoke advice they could possibly receive.

Most importantly, brokers aren’t on the side of the lender; they work for the customer, often giving them a much wider range of products than any one particular lender.

With a broker you benefit from the depth of their advice, the knowledge they can impart, the bespoke nature of the service they provide, and a long-term, close relationship that goes beyond rates, features, insurance and more, to get you the most suitable mortgage deal possible.

Looking for personable, practical, bespoke mortgage advice in London and the South East? Contact Oportfolio’s professional advisors today to find out more.

Your property may be repossessed if you do not keep up with repayments on your mortgage.

Oportfolio Ltd fees are payable on application. We charge a broker fee for property purchases of £495 and a remortgage/further advance fee of £395. Our product transfer fee is £295.

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