Out of interest, what do mortgage advisers offer that just looking online at all the mortgages doesn’t?
I guess if you’ve got a complicated situation, like you’re self employed or super duper rich and want to avoid tax or something, it might be worth it, but otherwise, are they realistically going to have access to any better deals than you, in this age of easily searchable online databases?
I can see in the olden days, when you might not necessarily have known that an obscure building society in Lancashire had a brilliant deal on (our last mortgage was with Marsden Building Society), an advisor who had a view of the whole market might be useful, but nowadays, what do they offer?
And as for mortgage ‘advice’ from the bank – what kind of idiot would do that, it is obvious that they won’t do a good deal unless you happen to be at the bank that has the best deal anyway.