Is there any difference between organising a mortgage through a broker as opposed to going direct to a lender?

The primary factor is price and the type of mortgage you want. Brokers deal with hundreds of mortgage lenders and thousands of mortgage contracts so if there's a cheap deal going around then they'll know about it. If you approach a specific lender, that organisation is severely limited to the options it can offer you. It can only offer its own products. So if you're looking for a cheap mortgage deal you need to shop around and you'll be a lot better off with a brokers help rather than approaching lenders direct.

Another advantage of the mortgage broker is that they are independent. High street lenders will only sell their own products whereas mortgage brokers can advise you about products from a huge variety of lenders across the UK. Brokers also tend to have much broader experience in terms of the mortgage contracts themselves and the type of people they assist.

Finally, in almost every case, a broker can secure a mortgage with a given mortgage lender on the identical conditions as available on going to the lender direct.

Please be aware that the brokers we work alongside do not charge you fees. They will be paid for their service through the mortgage lenders they deal with.