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  • Afternoon my well-housed chums.

    Is using a mortgage broker worth it for a first time buyer? This guy is charging £300 to broker the mortgage and I've no idea wtf I'm doing or whether that's good. What say you, bicycle hivemind?

  • If you're a simple case, which first time buyers often are, just use a whole of market, fee free broker like London & Country.

    If you're self-employed or it's complicated in other ways it might be worth it but that's £300 you don't need to pay. A broker who charges can't get you a better deal than a broker who doesn't if they're both whole of market.

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