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  • is there any benefit in going to a mortgage advisor if we are both on PAYE and don't have shit credit or anything? or shall we just apply directly?

    context is that we are moving and in a chain. we have accepted an offer on our place and accepted an offer on our next place. we cannot port our mortgage so need to go in for a whole new fresh one

  • Probably the better question is "is there any benefit in not going to a mortgage advisor?".

    Given that plenty of them don't charge you, they'll do the heavy lifting on the documents and they likely know more than you about the market then I can't see why not.

    The only scenario I've found it isn't worth it is when your existing provider gives you a favourable deal to renew but that won't be the case if you're moving.

  • A mortgage advisor might get you the mortgage that gets them the best commission, not the one that is best for you.

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