There are many reasons people have to use a mortgage adviser and they may not be what you would typically think.
An experienced mortgage advisers are able to give you a lot of good advice and also offer you choice. A broker has a choice of bank and non bank lenders and can help you select the types of loans that would suit your situation best. A mortgage adviser will also help negotiate the best home loan interest rates and can help ensure that you have a suitable loan structure.
The real question is why wouldn’t you use a mortgage adviser?
