Estate agents will often try to sell you a mortgage, alongside the house you’ve just purchased. However, it’s doubtful that they’ll give you a good deal. read more

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The Financial Services Authority regulates the mortgage industry – authorised mortgage brokers are listed on their register. To check whether your mortgage advisor is registered, simply type in the name of their firm, or reference number, at http://www.fsa.gov.uk/register/ read more

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The first meeting with your mortgage broker is usually free, following that, an hourly charge of £50 to £150 (plus VAT) is typical. Sometimes you can negotiate that your broker receives commission from the deal instead. read more

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There are several types of mortgage broker you can consult – it’s important to be aware of the differences between them in order to ensure you get the best possible advice. read more

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You’ll need to do plenty of shopping around to make sure you’re getting the best deal available. It’s far too time-consuming to visit each bank and building society and you’ll only gain a limited, not to mention biased, impression of what they have to offer. read more

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