If you go directly to a bank for a mortgage you will get one set of rates and one set of criteria. Some people choose this process because they don’t know any other way.

If you go to a mortgage broker (advisor) you should have access to many lenders, a variety of rates and criteria that makes it much easier to ensure that you’re getting the best deal for your circumstances.

Also, a mortgage broker will do most of the work for you, that you’d have to do yourself if you went directly to a bank.

A mortgage advisor not only has access to many lenders, but often exclusive rates that are not available on the high street.