Navigating the UK mortgage market can be overwhelming. From comparing rates to understanding eligibility criteria, the process is often more complex than expected — especially if you're a first-time buyer, self-employed, or dealing with an unusual financial situation.
This is where a mortgage adviser can make your life much easier.
At Friends Capital Ltd, we help people across the UK find the right mortgage product for their unique circumstances — saving time, reducing stress, and often saving money in the process. Here’s how working with a mortgage adviser can make your homebuying or remortgaging journey smoother and more successful.
Many lenders and their best deals aren’t visible on comparison websites. A professional mortgage adviser can access broker-only deals and a wider range of products across:
This means you're more likely to get a tailored solution at a competitive rate, not just a standard offer.
Online calculators are useful, but they can’t assess your full financial picture. A mortgage adviser will:
Whether you’re self-employed, a contractor, using a gifted deposit, or buying through a limited company, an adviser can help you avoid the wrong products.
Certain cases benefit significantly from expert input, such as:
A mortgage adviser knows which lenders are flexible with criteria — helping you avoid rejections and delays.
Instead of filling out multiple applications or being stuck on hold with different banks, a mortgage adviser:
This means less stress and faster results, particularly in competitive or time-sensitive transactions.
An adviser doesn’t just look for the lowest rate — they evaluate the overall cost of borrowing. This includes:
By identifying the true cost of a mortgage, they can help you make smarter financial decisions.
Mortgage advisers aren’t just for first-time buyers. If you’re:
…a mortgage adviser can help you make the most of your property’s value.
Having an expert in your corner gives you reassurance that:
This confidence is especially valuable for busy professionals, nervous first-time buyers, or those managing life changes like divorce or relocation.
Yes. A good adviser can access better deals, handle the legwork, and help you avoid costly mistakes.
Some do, some don’t. At Friends Capital, we’ll always be clear about our fee structure up front — and in many cases, the cost is offset by the savings we help you achieve.
Often, yes. Brokers can access exclusive or broker-only deals and match you with lenders that suit your profile — not just the ones visible online.
Using a broker gives you access to a much wider market and expert advice. Banks will only offer their own products, which may not be the best for your needs.
Working with a mortgage adviser could be one of the best decisions you make on your homeownership journey. Whether you're buying, remortgaging, investing, or just exploring your options, we're here to help.
At Friends Capital Ltd, we’ll take the time to understand your situation and recommend the most suitable mortgage product — with support every step of the way.
Get in touch with one of our expert mortgage advisers today to find the right solution for your needs and make your next property move easier.