A good broker will fight your corner, negotiating to get the rate as low as possible, reducing lender fees where possible and pushing to overcome any negatives the lender may perceive with the application.

As the market evolves so quickly, the best lender today may not be the best tomorrow. Also, every lender varies, right down to how their credit department view applications.

A broker is the gateway between you and your goal. We are on your side and our job is to get the best deal for your circumstances. This is true of all parts of the process, not just finding the right lender.

Dealing with your application from initial application through to completion in such a short timescale involves a huge amount of work. A broker manages a lot of the legwork for you, leaving you free to focus on the jobs that only you can complete, such as supplying personal information and documents.

When you’re really backed into a corner and constantly being asked for information, rushing to meet people for surveys and legal work, it is obviously extremely stressful. An experienced broker will know exactly when the deadlines are at risk of getting too close, when people need to be pushed and when they should be left to complete the task they are working on. A controlled and closely managed system is clearly far less stressful.

There are many different types of lender.  Some have a very low risk profile, so ask for lots of data, some lenders are quick, ask for minimal paperwork, and will lend on most types of property asset. Some development lenders require a personal guarantee; others don’t. There are so many variables, using an experienced broker is the only way to truly know you will be getting the best deal.