An article explains the current mortgage practices in United kingdom
Having pounds 20,000 for a pounds 160,000 home; you need a loan of 120,000. If you are with a percentage broker they may end up charging anything from pounds 400 to pounds 2500 for their service.
Some brokers do not levy fees and earn from procreation fee from the lender whose products they advocate and you buy from.
Many fee-charging brokers also receive commission and hence your fees get rebated.
For special deals like self-certification, buy-to-let or mortgages for people with poor credit records, the fee is more as more endeavor is required.
Fee based brokers may seem appealing but they have their critics. Commission brokers again can be your choice. Whether you are offered the best product for your need or the product, which offers them the best commission, is a question you need to consider.
Some brokers work for a panel of lenders and hence you get limited deals.
The best scenario for you would be to provide the lender with all the information and they come back to you with different options to choose from.
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