Get independent mortgage advice at the start of your mortgage, whether it is the first mortgage or you are looking to re-mortgage.
The good idea is to speak to a few firms, to see what's on offer and compare charges.
By doing research, you can divide mortgage advisers into two types:
* Mortgage advisers connected directly to lenders, who usually only recommend mortgages from that specific lender;
** Mortgage brokers, or independent financial advisers, can look at various lenders, often the whole market.