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@starfish&coffee
Mortgage broking has a reputation as a bit of a snidey trade, but I reckon a good reason to use a mortgage broker is that they can speed things up.
If you look around the internet for consumer reviews of the cheaper mortgage providers (Santander, Nationwide etc) there are loads of stories from people stuck in call center queues for hours, people having their applications lost in the system several times over, papers returned with the wrong information etc, etc. All of which again means that you might miss out on your dream home. But a decent mortgage broker can contact the bank on dedicated phone lines and will have their own contacts inside the bank/building society. More than the "getting you the best deal in the market bla bla" I reckon you are paying a few hundred quid to skip the queues.
Still, 650 quid seems a bit much. And be wary of the broker selling you add ons such as payment protection insurance.