In the context of mortgage advice, a ‘Whole of Market’ broker is not necessarily able to look at all mortgages available in the UK from UK Lenders, they only need to have a panel of lenders who represent each sector of the mortgage market. Therefore, a broker can still be defined as a ‘Whole of Market’ broker even when they only sell products from a very limited panel of lenders.
You should always ask your Mortgage Broker for a list of their lender panel, in order to establish whether or not you are receiving truly independent advice.
An example of a non-whole of market broker might be someone working for a specific lender where only their products are offered, or perhaps someone working directly for an estate agent with arrangements with a panel of lenders only.
If you would like to talk to us about what mortgages are available to you, call 01628 507477.
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