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What Does a Mortgage Broker Do

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Why It Pays to Get Expert Advice

If you’re planning to buy a home, remortgage, or invest in property, you might be wondering: do I need a mortgage broker?

While it’s possible to go directly to a lender, working with a broker like Windsor Hill Mortgages can save you time, stress, and potentially thousands of pounds.

Here’s what a mortgage broker actually does – and why they might just be your best ally in the home-buying process.

What Is a Mortgage Broker?

A mortgage broker is a qualified professional who acts as a go-between for you and mortgage lenders. Their job is to:

  • Understand your financial situation and property goals
  • Search the market for the most suitable mortgage deals
  • Explain your options in plain English
  • Help you apply and stay on track through to completion

What Are the Benefits of Using a Broker?

1. Access to More Deals

Many of the best mortgage products aren’t available directly to the public. Brokers have access to a wide panel of lenders, including high street banks, specialist lenders, and exclusive broker-only deals.

2. Save Time and Hassle

Applying for a mortgage can be time-consuming and complex. A broker handles the paperwork, liaises with the lender, and keeps things moving, so you don’t have to chase updates.

3. Tailored Advice

Your financial situation is unique, and so is your mortgage. A broker considers your income, deposit size, credit history, and long-term plans to recommend a product that truly fits.

4. Support for Complex Cases

If you're self-employed, have irregular income, or want a buy-to-let mortgage, a broker can help find lenders who are more flexible or experienced with your situation.

5. Help Beyond the Mortgage

Brokers don’t just stop at the loan. At Windsor Hill Mortgages, we also help you secure:

  • Life insurance and critical illness cover
  • Buildings and contents insurance
  • Landlord protection if you’re letting out a property

When Should You Speak to a Mortgage Broker?

It’s a good idea to contact a broker:

  • If your circumstances have changed (e.g. new job, divorce, or income drop)
  • Before you start house hunting (to find out how much you can borrow)
  • When your fixed rate is ending and you want to remortgage

how we can help

As a Bath-based brokerage, we offer personalised, jargon-free advice whether you're a first-time buyer, home mover, or landlord. We take the time to get to know you, explain your options clearly, and handle everything from application to offer.

📞 Call us on 01225 962456
📧 Email us at enquiries@windsorhillmortgages.co.uk


IMPARTIAL FINANCIAL ADVICE

Whether you’re a first-time buyer or a seasoned property developer our team will find you the very best deal.

Our experienced financial, insurance and mortgage advisors take real pride in offering impartial advice, so you’ll have the peace of mind that your best interests are at the heart of everything we do.

Based in Bath, we enjoy getting to know our clients and listening to their requirements we provide the right financial solutions every time.
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