GUIDES
Why You Should Use a
Mortgage Advisor -GoMortgage®
Because a mortgage is one of the biggest financial decisions you’ll ever make - and getting it right matters.
Using a mortgage adviser (also called a mortgage broker) isn’t about adding middle-men for no reason. It’s about getting the right deal – the one that actually works for you. Here’s why we believe almost everyone benefits from using a quality adviser like GoMortgage.
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Why You Should Use a Mortgage Advisor
What a Mortgage Advisor Actually Does - and Why That Matters
- Full market access, not just one lender – Advisers search across the entire UK market, including niche, specialist, and “off-radar” lenders you may never find on your own. This gives you far more mortgage options and a significantly better chance of finding a product that matches your unique financial requirements.
Tailored advice based on your actual finances – Whether you are employed, self-employed, a contractor, or have irregular income, a specialist adviser can work out exactly what you can borrow. They understand which lenders will accept your specific circumstances, ensuring your application is positioned for approval from the very start.
Time saved and stress avoided – Searching for deals, comparing lender criteria, and chasing paperwork is both time-consuming and confusing. A broker handles the entire administrative process for you, managing communication with lenders so you can focus on planning your move without the headache.
Expert help with complex or tricky cases – If you have a low deposit, adverse credit history, or unusual income streams, many high-street lenders may decline your application. A knowledgeable broker knows exactly which specialist lenders to approach and how to present your case to maximize your chances of success.
Professional guidance and regulatory compliance – Qualified advisers are regulated to ensure they act in your best interest. They strip away industry jargon, guide you through the documentation, and help you avoid costly mistakes, ensuring you are fully protected throughout the buying process.
What You Stand to Gain - Benefits of Using an Adviser
Access Your Credit Report
Knowing exactly what lenders see is the first step. Checkmyfile lets you view your full credit picture across all three UK agencies in one place, helping you spot issues, track progress, and avoid surprises before you apply.
When Using an Adviser Makes the Most Sense
You probably benefit from a mortgage adviser if:
- You’re self-employed, a contractor, freelancer or company director (income not standard PAYE).
- You’ve got less than ideal credit (defaults, CCJs, missed payments).
- You have a small deposit or need a high loan-to-value (LTV) product.
- Your income or employment history is complex, irregular, or recently changed.
- You’re a first-time buyer, or haven’t done this before and want clear, straightforward guidance.
- You don’t have the time or confidence to navigate dozens of lenders – or you’d rather someone else handle it.
In short: the more non-standard your personal or financial situation is – the more value an adviser brings
What to Watch Out For - Choosing the Right Adviser (Not All Are Equal)
Using a mortgage adviser isn’t a guarantee – the benefit depends on who you pick. Watch for:
- “Whole-of-market” advisers – some brokers are tied to select lenders and can only offer limited deals. A true whole-of-market broker should be able to show you any suitable product from any lender.
- Clear fee structure – advisers should disclose whether they charge a fee, and how much. If you don’t ask, you may end up with surprises.
- Transparency & honesty — a good adviser will explain why they recommend a particular product, what the trade-offs are, and what risks exist – not just sell the cheapest or most profitable option for them.
- Qualifications and regulation – make sure they are regulated (in UK via the relevant financial-services regulator), follow proper conduct rules, and have up-to-date knowledge of lender criteria.
Why GoMortgage As Your Adviser - What Makes Us Different
At GoMortgage, we don’t believe in “one-size-fits-all.” We offer:
- Whole-of-market access – we search widely to find the lender that fits you, not you fitting the lender.
- Honest, no-nonsense advice – we explain in plain English what’s realistic based on your deposit, income, credit, life situation.
- Tailored solutions for “non-standard” cases – self-employed, contractors, low deposit, previous credit issues – we specialise in navigating those.
- Full-service support – from initial affordability check, to DIP, application submission, follow-up, to completion and beyond.
- Transparent costs & communication – you know what’s happening, what you’re paying (if anything), and why.
If you want someone who fights your corner – not pushes the easiest product – that’s us.
If you’ve had a repossession and want someone who understands your case, call GoMortgage on 01253 935050 or Click For Free Trial.
We’ll look at what you can do, not what you can’t.
Because at GoMortgage, we believe a past event doesn’t have to define your future.
Speak With A Mortgage Advisor today
Contact our friendly mortgage advice team today. Sound mortgage advice from the experts at GoMortgage.
Author: Chris Days - Gomortgage
- 5 Mins
- Updated: Nov 17th 2025
Frequently Asked Questions
Does checking my credit report with Checkmyfile hurt my score?
If Checkmyfile shows I’m “high scorer,” will I automatically get a mortgage?
Not automatically. A strong credit-file helps a lot – but lenders also check income, deposit, affordability, employment, property value, and more.
What if I have old defaults or a CCJ on my report?
That complicates things, but doesn’t always rule you out. With a decent deposit, stable income, and honest disclosure, specialist or adverse-credit lenders (or certain mainstream ones) may still accept you.
Will all lenders use Checkmyfile when they assess me?
No – many lenders pull directly from one of the main credit reference agencies (Experian, Equifax or TransUnion). Checkmyfile is for you – to preview what they might see.
How often should I check my file?
Regularly. Credit data changes over time (payments, account closures, reporting updates) – checking every few months helps you catch anything before applying.
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Speak With A Mortgage Advisor Today
Contact our friendly mortgage advice team today. Sound mortgage advice from the experts at GoMortgage.
