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Which Mortgage Advisers charge a £199 up front fee (not all whole of market advisers do) and if you prefer them not to receive a commission from the lender on completion, they will charge you a 0.5% fee.

Mortgage Talk in Rotherham are pretty good and whole of market.

People choose to use a mortgage broker becaiuse of their expert knowledge of the market. That knowledge will usually includes an insight into which lenders will actually lend, as opposed to those that advertise headline grabbing rates/deals but fail to deliver. A whole of market broker or IFA should be able to find you the best deals and any one worth their salt won't charge you anything up front, but will be paid a commission or fee upon completion.

Try Robert Ogle Chartered Accountants in Rotherham. Cheaper than most city centre firms and with free parking.

Whichever mortgage broker you choose, make sure they are 'whole of market' so they have access to every mortgage product available to intermediaries. Also make sure they tell you at the outset whether they charge a fee and if so how much that will be. Some will charge a fee on completion, others will take a small commission from the lender and rely on commission from selling you other related products such as buildings insurance, life cover etc. There remain a few brokers that still want to charge up front fees before they do any research at all. As you'd expect avoid these at all costs, as any broker worth their salt would be happy to get paid once they've done the work for you.

Chris Hunt at Mortgage Talk is very good and they are whole of market as well. Give him a call on 01709 381035

There are good and bad mortgage brokers/IFA's but the betters ones should be whole of market meaning they have access to every product available to them. The better ones will also do the work for you and receive a commission/fee once the mortgage completes rather than charging up front fees before they lift a finger. Some brokers/advisers only have a limited panel of lenders they deal with which of course then restricts the choice. If you choose a specific bank or building society yourself, then that choice is restricted even further to only the products they have available. You can of course do some work on the web yourself and try to find the best deals and by doing so you won't be pressured into taking out further policies through an adviser. The difficulty for some people is that they don't know what if the best deal for them and prefer to let an expert handle matters for them which doesn't just involve finding a deal, but sorting everything out including all contact with lenders etc. Much like anything else in life, you can have a go yourself or put your trust in someone else who is both qualified and experienced in that particular field.

Speak your current mortgage lender 1st of all, particularly if you're not looking to raise any extra cash and if you've got a good payment history with them.

Whichever mortgage broker you choose make sure they're whole of market so they can access every mortgage broker available to brokers. Not all mortgage brokers are whole of market with some only being able to offer selected providers/products. Make sure they also confirm to how they will earn their money and whether that is a procuration fee from the mortgage company or by charging you a fee. These fees can vary significantly from broker to broker, so take care to get confirmation 1st of all. Some brokers will be happy to take a small proc fee from the mortgage company and sell you an insurance policy which they'll receive a commission on. That could be buildings & contents, a life policy or other financial advice.