What Does a Mortgage Adviser Actually Do?

Most people know that buying a home involves getting a mortgage. What’s less clear is what a mortgage adviser actually does. I get asked this all the time, and the truth is, it’s more than just hunting for interest rates.

Understanding Your Situation

First things first, I take the time to understand your financial situation. That means looking at your income, your outgoings, any debts, how much you’ve saved, and what your plans are. Whether you're a first-time buyer, moving house, remortgaging or investing in a buy-to-let, the right mortgage depends on your circumstances. There isn’t a universal great deal, there’s only what’s right for you.

I help you figure out how much you can borrow, what kind of monthly payments are realistic, and what lenders are likely to say yes. That saves you from going after deals you might not actually qualify for.

Comparing the Market Properly

Yes, comparison sites exist. But what they don’t do is tell the full story. The lowest rate on the screen might come with fees that make it more expensive than another deal. Or it might only be available to people with a very high credit score and a large deposit.

I have access to a wide range of lenders, including some that don’t appear on the usual websites. That means I can see options you might not be aware of. I also understand how different lenders assess risk. Some are more flexible with freelancers or contractors. Others are more relaxed about credit blips. Knowing where to look matters.

Managing the Application

This is the part people often underestimate. A mortgage application is not just a form you fill in and submit. It’s a process that involves bank statements, payslips, ID checks, credit history, and often back-and-forth with underwriters. If something’s missing or unclear, it can slow things down or derail the whole thing.

I handle that process. I make sure everything is in order before it’s sent off, speak to the lender on your behalf, and deal with any follow-up requests. That cuts down on delays and helps you avoid unnecessary stress.

Protecting Your Plans

Getting the mortgage offer is a big step. But I also help you think beyond the approval. What happens if you lose your income, fall ill, or pass away? I advise on protection too. Not because I’m trying to upsell you, but because it’s part of doing the job properly.

For most people, a mortgage is the biggest financial commitment they’ll ever make. So it makes sense to have a plan that keeps everything secure, even when life doesn’t go to plan.

Why It Matters

In short, a mortgage adviser is someone who works for you, not the bank. I help you understand your options, avoid mistakes, and get a mortgage that actually fits your life. I take the time to explain things clearly, flag any risks, and give you honest advice, even if that means telling you to wait.

It’s not about pushing you to get the biggest loan. It’s about helping you make a smart choice that you’ll still feel good about five years from now.

If you’re thinking about a mortgage, whether it’s your first or your fifth, it’s worth having someone on your side who knows what they’re doing. You don’t need to figure it all out alone.

I’m here if you want to talk it through, please get in touch.

The FCA does not regulate some forms of Buy to Let Mortgages.