Home and living

How to choose a mortgage advisor


As a leading provider in the home insurance market, we know a thing or two about houses. We work with a whole range of different professionals to shape our services to be the best they can be and we always do our utmost to provide you with as much helpful information as we can. This doesn’t just begin once you’ve bought your home, we like to help as much as we can before that too.

Before deciding to buy a property, you first need to find out how much you’ll be able to borrow for a mortgage, as there are a number of different factors outside of your annual salary that will affect this loan figure.

Before approaching a mortgage adviser, it’s a good idea to put together a detailed budget planner showing your monthly income and expenditure. This will help you understand how much you can comfortably afford to spend on mortgage repayments each month.

Finding a mortgage advisor

It is possible to find your own mortgage deal by doing some internet searches and speaking to lenders. However, engaging the services of a qualified mortgage adviser could save you time and money.

An Independent Financial Advisor, or a Restricted ‘Whole of Market’ Adviser is able to shop around a large number of lenders on your behalf. This will mean that they can recommend the right mortgage product for your specific circumstances and, more importantly, your budget.

What about the estate agent’s mortgage adviser?

You will probably find that your estate agent will be keen for you to talk to one of their in-house mortgage advisers. However, be aware that these advisers are often tied to one specific lender or, if they do shop around, they will often work from a small panel of mortgage lenders.

Whatever your estate agent may say, they cannot make it compulsory for you to speak to their mortgage adviser. You are entirely free to shop around and work with an advisor who has access to the whole mortgage market, and who will advise you on the most suitable mortgage lender and product for your circumstances.


We know that it’s a busy time for you right now, with lots to think about. When the time is right and you’re nearly ready to settle into your new home, we’d love for you to come back and consider us for your home insurance.

When you start your search for home insurance quotes in the UK, before scrolling through multiple insurers and trying to find cover for your home, remember that we’re here and ready to help.

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