Choosing a mortgage adviser is a big decision — after all, they’ll be guiding you through one of the most important financial commitments of your life. But with so many options out there, how do you know who to trust?
Here are five essential things to consider when appointing a mortgage adviser:
1. Do They Offer a No-Obligation Initial Consultation?
A no-obligation chat is a great way to get a feel for the adviser and their approach. It gives you the chance to ask questions, explain your goals, and see if you feel comfortable working with them — without any pressure.
At One Roof Financial, we offer everyone a 30-minute no-obligation consultation. It’s our way of making sure you get the advice you need before making any commitments.
2. Do You Feel Comfortable With Them?
This might sound simple, but it’s crucial: do you like and trust them?
A good adviser should make you feel confident, not confused. They should listen, explain things clearly, and give you the sense that they genuinely care about helping you achieve your goals — whether that’s buying your first home, securing a new mortgage deal or remortgaging for a renovation.
3. Are Their Fees Clear and Transparent?
Most mortgage advisers charge a fee — but how and when they charge can vary. Make sure you ask:
- Is the fee fixed or a percentage of the loan amount?
- Is it payable upfront, at offer stage or on completion?
- Is it refundable if things don’t go ahead?
At One Roof Financial, our standard advice fee is £297 which is payable upfront and non-refundable. We charge a higher fee for non-standard/more complex cases. We’re always upfront about costs, so there are no surprises. We will confirm our fee during the 30 minute no-obligation consultation.
4. What Kind of Product Range Do They Offer?
Not all advisers have access to the same mortgage deals. Some advisers have access to more lenders than others so it’s important to ask this question.
Working with a broker who has access to a wide range of lenders gives you the best chance of finding the right deal — and potentially saving money.
5. Do They Come Recommended?
Word of mouth is powerful. If friends, family, or colleagues have had a great experience with an adviser, that’s a strong sign you’re in good hands.
We’re proud that most of our business comes from client recommendations. You can also check out our reviews on Google and Facebook to see what others have said about working with us.
🚩 Red Flags to Watch Out For
Not every adviser has your best interests at heart. Be cautious if:
- You’re being pressured to make a quick decision.
- You’re given a mortgage agreement without a proper fact-find or recommendation.
- You’re told you must use a specific adviser (e.g. by an estate agent or developer). You always have the right to choose your own adviser.
Final Thoughts
Choosing the right mortgage adviser can make the whole process smoother, less stressful, and more successful. Ask the right questions, trust your instincts, and don’t be afraid to walk away if something doesn’t feel right.
If you’re ready to have that first conversation, we’d love to hear from you. https://onerooffinancial.co.uk/contact/
Your home may be repossessed if you do not keep up repayments on your mortgage.
Blog written 11/11/2025
The information contained within this blog was correct at the time of publication (11/11/2025), and is subject to change.
