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Building and protecting your wealth

Finding a Mortgage Broker That Picks The Right Deal For You

Taking on a mortgage is one of the biggest financial commitments you will ever make, so it’s crucial you take the time and effort to secure the right deal for you. We know the mental and physical demands put on dental or medical professionals. We also know that you could do with some support through the time-consuming task of working out which of the thousands of available mortgage deals is right for you.


This article does not constitute advice. Professional advice should be taken prior to acting on any part of it. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.


The benefits of working with a mortgage broker

Whether you’re looking for your first home, upgrading to a larger accommodation, or even searching for an investment property, working with a mortgage broker can ease the burden of house hunting by providing support on the financial end.

Make sure you select a broker who understands your specific circumstances. The right broker can help you save hundreds of pounds each year if they can get you a competitive mortgage deal.

As your mortgage broker, we make sure you’re prepared to make the most competitive offer on a property, guide and assist you through the entire process, and help you lock down a great mortgage rate by serving as the intermediary between you and providers, ensuring your experience is as seamless as possible.


Choosing the right broker can be a difficult task in itself

Once you’ve decided to work with a mortgage broker, you’ll need to find one that you trust has your best interests in mind and not just their bottom line.

  • You can get recommendations from family or friends, but healthcare professionals often need specialised assistance that any old broker might not be able to give.
  • Estate agents will also offer the services of an in-house broker, which might not always be the best path to take.
  • You could turn to the internet for your search, but that might only complicate matters when you see too many options to wade through.

It might take some time to find a broker who truly wants to get you the best deal rather than just stick you with whatever “best rate” they can find on any given day.

As dental and medical professionals, you do need someone who understands your specific needs and goals, especially if your working circumstances are atypical – like they tend to be for many self-employed or company owner doctors or dentists.

So, you should take the time to find a broker who you can partner with for years to come – think about all that time you will save, for the hard work now.


Once you find a potential broker, you want to know that they can become your trusted partner

Once you’ve identified a couple of options, take a look at the brokers’ satisfaction scores and verified reviews online so you know you’re partnering with the right kind of broker.

“Thanks for confirming our mortgage completion. As ever you have provided an excellent service, taking us through these financially changing and insecure times to provide us with a product that we feel is suited to us and is a good value deal. Thanks for your guidance and sound advice we really appreciate this and find the ‘hassle free’ style of what you offer a godsend to us in our busy professional lives.”

Dr Sarah Chilvers, Director

You’ll also need to weigh up the importance of any fees some brokers may charge upfront. Any broker worth one’s salt will take the time to explain why they’re recommending the deals they are and will happily answer any and all questions you might have through the entire process. Don’t settle for a broker who avoids answering and just pushes certain mortgages without explanation.

Also read guidance from the FCA on mortgage advice.


Ready to choose a specialist, trusted mortgage adviser?

As specialist mortgage providers to dental and medical professionals, Dental & Medical Financial Services is committed to helping doctors realise and achieve their goals. We have been fostering our relationships with mortgage providers for years and can offer the best choices the market has available.

Our team of advisers have the necessary knowledge, experience, and understanding to find the best value for you based on your needs and circumstances, and we can guide you through and assist you with all the required criteria. Don’t hesitate to get in touch with us today.


Need help to secure the right mortgage?
Mortgages | Buy to Let | Property | Mortgage Planning |

Dental & Medical Financial Services have been helping doctors and dentists with finding low-cost mortgages for your home and investment properties for over 25 years. Call Chris to discuss your options.

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