It’s a question many people ask at the start of their mortgage journey.

The short answer? No, you don’t have to use a mortgage broker. But it can make a big difference.

When you go directly to your bank, you’ll only see their products. A mortgage broker, however, compares options across multiple lenders and recommends a solution personalised to your circumstances.

That matters because every lender has different criteria. Income type, deposit size, credit history, and employment status can all affect which mortgages are available to you. What one lender declines, another may accept.

It’s also not just about finding the lowest rate. A good broker considers fees, flexibility, incentives, and how the mortgage fits your longer-term plans.

Perhaps most importantly, a broker manages the process, handling paperwork, liaising with lenders, and keeping you informed. That clarity can remove a huge amount of stress.

At Inform Mortgages, we believe advice should be proactive, bespoke, and easy to understand, so you feel confident you’ve made the right decision.

Because it’s not just about getting a mortgage. It’s about getting the right one.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding but we estimate it will be £995 unless you are being referred to us by your employer as part of your workplace benefits scheme or one of our New House Building Partners, in which case our mortgage advice is a fee free service.