Why use a mortgage broker instead of a bank?

Many aspiring homeowners tend to steer clear of mortgage brokers when it comes to securing a mortgage deal. This is most likely because they are put off by the associated costs that come with using a mortgage broker.

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While using a mortgage broker can be a slightly more expensive option in the short term, mortgage brokers have access to specialist lenders and can conduct a whole-of-market comparison that allows them to find you the cheapest mortgage deal, that could end up saving you thousands (or even tens of thousands) in the long run.

Whole-of-market comparison

One of the biggest advantages that mortgage brokers (especially whole-of-market) have over banks is that they have access to a huge range of lenders and mortgage products right at their fingertips, whilst banks are limited to their own products and deals.

Having access to so many different lenders allows a broker to assess and compare the most competitive mortgage products and deals available, to find the best mortgage deal for your needs and circumstances.

Also, when you work with a reputable broker, you will have access to the most up-to-date deals, as soon as they become available.

If you have specialist or a unique set of circumstances like adverse credit or maybe you are seeking a mortgage on a unique property type, the chances are that your bank will turn you away.

However, as whole-of-market mortgage brokers have access to hundreds of specialist mortgage providers, even if you have been declined a mortgage previously, a broker will be able to seek out willing lenders for you and identify the best rates for your circumstances.

You can also benefit from expert advice and exclusive deals at your convenience when you use a lender instead of a bank.

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