Choosing the best mortgage or remortgage for your requirements is a formidable task for most borrowers, including people who are financially astute. With a plethora of different options available, there are many decisions which need to be made including how much you need to borrow, the repayment method and whether you'd prefer a fixed, discount, capped or tracker interest rate.

But, first and foremost, you need to think about where you are going to get your mortgage from - do you want to enlist the help of a mortgage professional to help you find the best mortgage deal or do you want to approach lenders yourself?

The majority of mortgage applicants - 70% - get help from a mortgage adviser or broker, and it's easy to see why. With thousands of mortgage products on offer and new products being introduced every day it can be difficult to wade through the market and find a deal that suits your needs. An independent broker will be able to advise you on the whole of the market, rather than simply being tied to one particular bank's products, so it makes sense to use their services.

Mortgage advice is regulated by the Financial Services Authority (FSA), so you can be assured that the mortgage broker providing you with advice is fully authorised and holds the necessary qualifications.

A broker will undertake a "factfind" to determine your situation, finances and requirements. Then they will use the information to locate products which suit your needs and will explain the advantages and disadvantages of each.

Mortgage brokers can also gain access to products that are not available on the high street, and these exclusive deals can often be more competitive than products available in a branch. This is especially true if you have unusual needs or circumstances, as brokers are experts at placing difficult cases.

There is no obligation and it costs nothing to see what your options are, so contact us today. Simply complete our short online enquiry form and let an advisor guide you through the mortgage maze .