However, if you visit an independent mortgage broker they have access to all the mortgage schemes and can easily source the one that is right for you. If you can find an independent mortgage centre then you can sit down with the mortgage specialist to discuss exactly what you need.

An independent mortgage broker will be able to offer all types of loans such as purchases, remortgages, buytolet, first time buyer, capital raising, self cert, poor credit mortgages for people who have been refused a mortgage.

Even discharged bankrupts or those people with complicated credit problems can find help at an independent mortgage broker. And you won't get that with a high street lender!