Why Use a Mortgage Broker?
This is most likely a question you’ve thought about a few time. Here we look at the key ways, in which you can benefit by using an experienced mortgage broker, rather than going direct to a Mortgage Lender.
Free, No Obligation Meeting
Whole of Market UK-Wide Mortgage Rates
Exclusive Broker-Only Mortgage Rates
Instant Peace of Mind
Zero Impact on Your Credit Score
Get started here
Hear from happy people
Why a Mortgage Broker is a Smart Move in Dorset & Hampshire
A question we hear all the time…
"Why should I use a mortgage broker?"
It’s a good one—and it deserves a straight answer. We don’t mess around with the answer. Because when it comes to getting a mortgage, you’ve got two choices:
-
Go straight to a lender and only see their products (whether they’re right for you or not).
-
Use a mortgage broker who searches the whole market to find a deal that actually fits your needs.
Now, here’s something most people don’t realise: 42% of mortgage products are ONLY available through a broker. That means nearly half the deals out there aren’t even an option if you go direct. And that most likely why 89% of UK mortgages are arranged through brokers—more choice, better rates, and expert advice every step of the way.
89%
of mortgages across the UK, are sold through a Mortgage Broker
42%
of mortgages are only available through a mortgage broker
Whether you’re buying in Bournemouth, remortgaging in Poole, or investing in property across Dorset or Hampshire, a mortgage broker makes the process smoother, stress-free, and (most importantly) more cost-effective.
First-time buyers
We’ll help you navigate the mortgage maze—without the panic Googling or comparison sites.
Remortgaging
Our lovely mortgage brokers will find you a better deal before your lender slides you onto a higher rate.
Buy-to-let investor
We know which lenders favour landlords and how to maximise your borrowing potential.
Self-employed or complex income
It’s no problem to us —there are lenders out there who get your situation, and we’ll find them for you
Most importantly, we work for you, not the bank.
A lender’s job is to sell their mortgages. Our job is to find you the best one. That’s right for you and your unique circumstances. And with access to 100+ lenders and thousands of mortgage products, we’re pretty good at it (even if we do say so ourselves).
So, if you want more options, better rates, and less hassle, let’s have a chat. No jargon, no pressure, just experienced mortgage advice to help you make the right move.
Why Work with a Mortgage Broker in Dorset & Hampshire?
So, here are a few reasons why you might be better off using a mortgage adviser:
Exclusive Access to Better Mortgage Rates
Some mortgage lenders only offer their best deals through brokers because they know broker clients are well-prepared. That means you get access to rates you won’t find if you go direct.
Whole Market Comparison—Not Just One Lender
With 100+ lenders and 14,000+ mortgage products, our lovely mortgage brokers compare all your options, matching you with the most suitable lender based on your income, deposit, and future plans. Whether you’re looking for a first-time buyer mortgage in Hampshire, a remortgage in Dorset, or a buy-to-let investment anywhere in the South, we’ve got the market covered.
Free, No-Obligation Advice
At Delta Mortgages, we provide experienced mortgage advice for free. There’s no cost for checking rates, comparing deals, being a sounding board or getting a mortgage in principle. We only charge a broker fee if you choose to proceed—so you’re in complete control.
Want to explore your mortgage options in Dorset or Hampshire?
Speak to a local mortgage broker today.
The Truth About ‘Fee-Free’ Mortgage Brokers – Do They Really Save You Money?
We get it—everyone loves a freebie. And when you see a mortgage broker advertising “fee-free” services, it’s tempting to think you’re getting a better deal. But here’s the thing: free advice doesn’t always mean better advice.
At Delta Mortgages, our mortgage brokers provide no-obligation mortgage advice—we’ll walk you through affordability, compare the best mortgage rates, and even arrange a same-day soft search for a mortgage in principle, all without charge. But if you choose to proceed with the mortgage we find, we do charge a broker fee.
Why? Because getting the right mortgage takes time, expertise, and ongoing support—something fee-free brokers may not always have the capacity to offer in quite the same way
A good mortgage broker does more than just find you a rate. They:
-
Take the time to fully understand your financial circumstances, ensuring your mortgage fits both your budget and long-term goals.
-
Continuously monitor the market, even after your mortgage in principle is secured, to ensure you don’t miss out on a better deal.
-
Manage the entire process, liaising with lenders, solicitors, and surveyors, so you don’t have to worry about chasing paperwork or hitting roadblocks along the way.
Fee-free mortgage brokers can still offer a valuable service, but because they don’t charge their clients directly, they often need to work at a much higher volume.
That means:
-
Less time available for each client—which may not always allow for the deeper financial discussions that can unlock even better mortgage opportunities.
-
Their income is reliant on lender commissions—which means their recommendations may be shaped by the lenders they work with, rather than being fully whole-of-market.
-
Their support may end once the mortgage is arranged—whereas at Delta Mortgages, we continue to monitor your mortgage and help you secure the best deal year after year.
-
A mortgage broker’s fee isn’t just about securing a deal today—it’s about ensuring you get the best mortgage now and in the future. Even a small reduction in your mortgage rate can lead to significant savings, making the cost of expert mortgage advice well worth it.
For example, let’s say you’re borrowing £150,000 over five years at an interest rate of 5%. Your monthly repayments would be around £877, and over five years, you’d pay £52,620 in total.
Now, if a mortgage broker finds you a rate of 4.75% instead, that slight 0.25% difference means:-
Your monthly repayment drops to around £85
-
Your five-year total repayment falls to £51,240
-
You save £1,380 before your next remortgage
Even with a mortgage broker fee of, say, £500, you’d still be £880 better off—and that’s just in one mortgage term. Since most homeowners remortgage every 2–5 years, a broker who continuously finds better deals could save you thousands over time.
And that’s based on just 0.25% savings. Many borrowers secure even bigger rate reductions through a mortgage broker compared to going direct to a lender.
A mortgage isn’t a one-and-done deal. A good broker doesn’t just secure a great rate now—they continue to review the market and help you switch when better deals arise, ensuring you never pay more than you need to. Oh and don’t forget we’ll also be in touch well before your mortgage is due to expire to give you the best deal. Sounds great value, now huh!?-
We’re incredibly proud of the service we offer at Delta Mortgages. Our clients stay with us because they know that we go the extra mile, ensuring that every mortgage our lovely brokers arrange isn’t just competitive today, but works for their long-term financial future too.
With Delta Mortgages, you get:
Experienced, whole-of-market mortgage advice
Access to 100+ lenders and 14,000+ mortgage products
Full support from start to finish—handling everything from lender negotiations to solicitors, so you don’t have to
A mortgage broker should work for you—not just the lenders who pay them. And that’s exactly what we do.
Using a Mortgage Broker vs Going Direct to a Lender
Going directly to a bank might seem like the easiest option—after all, no mortgage broker fee, right? Ah but banks only offer their own products, which means you’re limited to their mortgage deals, their lending criteria, and their eligibility requirements.
A mortgage broker (hello 👋🏼), on the other hand, works for you—not the lender. Instead of being tied to one bank’s offering, brokers have access to a whole panel of lenders, including specialist lenders that aren’t available to the general public. That means more choice, more competitive rates, and a mortgage that actually fits your circumstances, not just what’s on the bank’s shelf.
At Delta Mortgages, we search across 100+ lenders and over 14,000 mortgage products (yes, we counted them!), ensuring you get the right mortgage for your situation—whether you’re a first-time buyer, self-employed, remortgaging, or looking for a buy-to-let deal.
A lender works for themselves. A mortgage broker works for you. It’s that simple.
Feature | Mortgage Broker | Going Direct to Lender |
|---|---|---|
Speed | Faster, Streamlined Process | Slower Approvals & Processing |
Market Insights | Access to the Latest Rates | Limited to Their Own Rates |
Paperwork | Handled for You | You Do Everything Yourself |
Personal Advice | Tailored to Your Circumstances | Only Offers Their Own Deals |
Choice | 100+ Lenders & Exclusive Deals | Just One Lender’s Products |
TL:DR - Banks can only offer their own mortgage products. Brokers compare the entire market to find the best deal.
More Than Just a Mortgage – Why a Broker Works for You
A mortgage isn’t just about finding a low rate—it’s about getting the right deal for your circumstances. That means choosing a lender who understands your income, avoiding hidden fees, and making sure you don’t pay a penny more than necessary over the years.
That’s where a mortgage broker comes in. We don’t just compare numbers—we navigate the entire process, from finding the right lender to handling paperwork, chasing solicitors, and ensuring you never get stuck on a bad deal.
Below, we break down the key benefits of using a mortgage broker over going direct to a lender. Spoiler alert: it’s about saving you time, stress, and money.
We Do the Heavy Lifting
Finding the right mortgage isn’t just about interest rates—it’s about knowing which lenders will say yes. We cut through the noise, handle the paperwork, and match you with the best mortgage lender for your situation. Less stress, less admin—more time for you.
Exclusive Mortgage Rates & Specialist Lenders
Some of the best mortgage deals aren’t available directly to borrowers. Many lenders only work with mortgage brokers, offering exclusive rates and flexible lending criteria for complex cases.
A Mortgage Broker Saves You More Than Just Money
A mortgage broker ensures you’re getting the best overall deal—not just the lowest interest rate. We consider fees, lender incentives, and long-term affordability, making sure you don’t pay more than you need to over the life of your mortgage.
Boost Your Mortgage Approval Chances
Not all lenders accept all borrowers. Some are flexible with self-employed income, others cater to those with bad credit. We know who to approach to maximise your approval chances—so you get it right first time.
Ongoing Mortgage Monitoring – Always Stay on the Best Deal
Your first mortgage deal won’t be your last. We monitor your mortgage even after completion, making sure you’re never overpaying when better deals become available.
Protecting Your Home, Income & Future
Your mortgage is one of the biggest financial commitments you’ll ever make—so protecting it properly is essential. We offer life insurance, income protection, and critical illness cover, ensuring you and your family stay financially secure.
Speak to a mortgage broker today and take the first step towards securing the best mortgage deal for you.
Our Mortgage Brokers Make the Process Simple
If you’re wondering, "Why use a mortgage broker?", the answer is simple: because the mortgage process isn’t always straightforward. Whether you’re a first-time buyer in Dorset, remortgaging in Hampshire, or investing in property, there’s a lot to consider—from finding the right lender to handling legal paperwork.
At Delta Mortgages, we take the stress out of securing a mortgage, guiding you through every step with straightforward advice, expert market knowledge, and a whole lot less hassle. Here’s how the process works when you use a mortgage broker:
1. Understanding Your Affordability
Your first step is knowing what’s possible. We’ll assess your finances, discuss your goals, and determine what mortgage works best for you. Over a call or a cuppa we’ve got you covered.
2. Get Mortgage Ready
A mortgage in principle makes you a stronger buyer. We’ll secure one quickly, giving you clarity on your budget and confidence when making an offer.
3. Instruct a Solicitor (or conveyancer)
Once your offer is accepted, a solicitor or conveyancer will handle legal checks on the property to ensure it’s mortgageable. We’ll guide you through what’s needed.
4. Submit Your Full Mortgage Application
With everything lined up, our lovely mortgage brokers will complete your mortgage application and liaise with the lender—making the process as smooth as possible.
5. Protection Appointment
Your mortgage is a huge financial commitment. We’ll review protection options like life insurance or income protection to ensure you’re covered.
6. Mortgage Offer Issued
Once approved, you’ll receive a formal mortgage offer. We’ll check the details to make sure everything aligns with your expectations.
7. Start the Property Searches
Your lawyer will conduct essential searches (such as local authority and environmental checks) to make sure there are no hidden surprises.
8. Transfer Your Deposit
You’ll agree on a completion date, and your lawyer will arrange for your deposit to be transferred, ready for the exchange of contracts.
9. Exchange Contracts
Once contracts are exchanged, you’re legally committed to the purchase. The final countdown to homeownership begins! (pop that bubbly in the coolbox)
10. Completion – Time to Celebrate!
Your mortgage funds are released, the property is officially yours, and you get the keys! (Cue the bubbly—or maybe just a well-earned cuppa … but you might need to find the kettle first.)
10 Reasons to Choose Delta Mortgages
Why choose Delta Mortgages? Because we make mortgages simple, stress-free, and tailored to you. Whether you’re buying your first home, remortgaging, or investing, here’s why our clients trust us:
Independent mortgage advice, designed for you
—because there’s no such thing as a one-size-fits-all mortgage.
We hunt down the best mortgage rates
—so you don’t have to.
Access to mortgage deals you won’t find on the high street
—some lenders only work through mortgage brokers, and we’ve got them on speed dial.
Check your mortgage options with zero impact on your credit score
—because no one likes unnecessary credit searches.
Tricky circumstances? No problem.
We find solutions for self-employed applicants, bad credit, and complex incomes.
Zero pressure
—ask us anything, as often as you need. We’ll only charge a fee if you choose to proceed.
100+ lenders and 14,000+ mortgage products
—which means plenty of choice, from big banks to specialist lenders.
Same-day decisions in principle
—so you can act fast when you find ‘the one’ (home, not person—though we do love a good love story).
Instant insights into what you can afford
—no guesswork, just clear numbers.
24/7 mortgage monitoring and support
—we track the market and check in with you when a better deal becomes available.
Our mortgage brokers are local and nationwide
—so whether you want to chat in Dorset, Hampshire, or over Zoom, we’re here for you.
(Oh, you noticed there are 11 reasons? We like you already!)
What Makes Delta Mortgages Different?
Yeah, yeah we know, this is usually the part where companies start throwing in the clichés—"we care more," "we’re the best," blah blah blah. But here’s the real difference with Delta Mortgages—our lovely mortgage brokers genuinely make mortgages easier, whether you’re a first-time buyer, self-employed, or tackling something more complex like debt consolidation, let-to-buy, or specialist lending.
Seriously we have. From straightforward cases to the quirky and complex, we’ve got mortgage advisers who specialise in different areas of the mortgage market. That means you won’t just get a generalist—you’ll get a broker who knows your specific circumstances inside out.
*take James for example, he’s our property development bridging finance specialist (yes that is a thing).
Our brokers don’t just rely on computer systems to find deals. We chat with lenders weekly, stay on top of policy changes, and have direct relationships with underwriters. That means we can find solutions others can’t—and fast.
If you've ever been turned down by a high street bank or felt like your mortgage application disappeared into a black hole, you’re not alone. We regularly help clients who’ve been left frustrated elsewhere. We know which lenders are flexible, which ones can move quickly, and who’s most likely to say yes. You know, the lovely ones.
We get it—committing to a mortgage is a big decision. That’s why we keep things completely pressure-free. We’ll walk you through your options, show you what’s available, and even get you a Decision in Principle without any obligation. If you decide not to proceed that’d no problem. Seriously. There’s no pushy sales tactics, no hidden costs—just clear, honest mortgage advice when you need it.
We’re not tied to any lender, which means we work for you, not them. That means a big deal to us. It means we search the whole mortgage market—not just a handful of banks—to find the deal that actually fits your unique circumstances. With access to 100+ lenders and over 14,000 mortgage products, we make sure you get the right mortgage, not just any mortgage.
Mortgages come with a lot of admin (sorry, we don’t make the rules). But the good news is we handle all of it.
-
We’ve got appointments that fit your life – We’re here evenings and weekends, so you don’t have to squeeze us into your lunch break.
-
You’ll have one dedicated mortgage adviser and mortgage processor from start to finish – No call centres, no explaining your situation five times. Just one person looking after your mortgage.
-
We liaise with the lenders and the lawyers – Because you’ve got better things to do than chase paperwork.
At Delta Mortgages, we believe getting a mortgage should be simple. And with us, it is.
-
Mortgages are a big deal, and so is trust. That’s why we’re fully regulated by the Financial Conduct Authority (FCA), ensuring every step of your mortgage journey is secure and compliant. Our mortgage advisers are CeMAP-qualified and continuously trained, staying ahead of market trends so you always receive the most up-to-date advice. We believe in complete transparency—no hidden fees, no nasty surprises, just straightforward mortgage advice that works for you.
At Delta Mortgages, we take the stress out of securing a mortgage—and our testimonials speak for themselves. Let’s make your mortgage journey smooth, transparent, and (dare we say it?) even enjoyable.
Top Five Reasons to Use A Mortgage Broker
Getting a mortgage should be exciting—not a marathon of paperwork, lender jargon, and “computer says no” moments. That’s where a mortgage broker comes in. Whether you’re a first-time buyer in Dorset, remortgaging in Hampshire, or securing a buy-to-let in Bournemouth, here’s why using a broker like Delta Mortgages is a smart move.
Save Time, Effort & Headaches
Hunting for the right mortgage is like trying to find a needle in a financial haystack. Instead of spending hours trawling through lender websites, mortgage calculators, and comparison sites, a broker does it all for you.
We search the whole market, match you with the best lender, and handle the paperwork—so you can focus on the fun stuff (like measuring up for that new sofa).
Get Access to Deals You Won’t Find on the High Street
Not all mortgage products are available to the public. In fact, 42% of mortgage deals are only available through a broker. Because we work closely with over 100 lenders—including high street banks, specialist lenders, and exclusive providers—we can unlock mortgage rates and terms that you won’t find by walking into a bank branch or clicking through a comparison site.
Advice That’s Actually About You (Not the Lender)
A bank’s mortgage adviser will only offer their own products (whether they’re right for you or not). But a mortgage broker works for you, not the lender. That means independent, unbiased mortgage advice based on what’s best for your financial situation—not just what’s easiest for the bank to sell.
Whether you’re self-employed, have complex income, or need a mortgage for a tricky property, we’ll find the right fit.
Save Money in the Long Run
Some people think using a mortgage broker costs more. Not necessarily. A small difference in interest rates can save you thousands over the life of your mortgage. A mortgage broker compares rates across the market to get you the best deal—and even if there’s a broker fee, the savings on interest, fees, and mortgage terms often outweigh it. We look at the whole picture, so you don’t pay more than you need to.
Less Stress, More Success
Let’s be honest - getting a mortgage can feel like a maze of paperwork, solicitor emails, and lender hoops to jump through. A mortgage broker doesn’t just find the best mortgage for you; we guide you through the whole process. From getting a Decision in Principle to liaising with lenders and solicitors, we handle the heavy lifting so you don’t have to. And we stick with you long after the mortgage offer lands in your inbox—keeping an eye on the market so you never miss a chance to remortgage to a better deal.
Want to see how a mortgage broker can save you time, money, and stress? Let’s talk.
What to Look for in a Mortgage Broker
Choosing a mortgage broker isn’t just about finding someone who can get you a loan—it’s about finding the right broker who will make the process simple, stress-free, and (most importantly) tailored to your financial goals.
Here’s what to keep in mind when picking a mortgage broker in Dorset, Hampshire, or beyond.
1
Whole-of-Market Access = More Choice, Better Deals
Some mortgage brokers are tied to a small selection of lenders, which means they can only offer a limited range of products. A whole-of-market broker (like Delta Mortgages) has access to 100+ lenders and 14,000+ mortgage products, giving you a much wider pool of deals—including some that aren’t available directly to the public.
2
FCA-Regulated (Because Trust Matters)
Would you let an unlicensed driver take you on a road trip. Hopefully not! Then don’t trust an unregulated mortgage broker with the biggest financial decision of your life. Make sure your broker is regulated by the Financial Conduct Authority (FCA)—this ensures they operate ethically and in your best interests. (Spoiler alert: We’re FCA-regulated.)
3
Experience & Qualifications (They Should Know Their Stuff)
Mortgage brokers should have industry-recognised qualifications like CeMAP (Certificate in Mortgage Advice and Practice). But experience matters too. You want a broker who’s handled cases like yours before—whether you’re a first-time buyer, a buy-to-let investor, or self-employed.
4
Clear & Honest Fee Structure
Not all mortgage brokers charge fees, and those that do should be upfront and transparent about them. Some brokers charge a fixed fee, others take a percentage of the loan, and some get paid solely through lender commission. At Delta Mortgages, we’re completely clear on our charges, so you know exactly what to expect—no nasty surprises.
5
Communication That Works for You
A great mortgage broker explains things without the jargon and is responsive when you have questions. Buying a home or remortgaging is stressful enough without chasing your broker for updates. You want someone who makes you feel comfortable discussing your finances and keeps you in the loop from start to finish. (ahem, like this lovely lot).
6
Reputation Speaks Volumes
Check their reviews. A mortgage broker might say they provide excellent service, but what do their clients think? Look for genuine testimonials and independent reviews on Trustpilot and Google. A strong track record of happy clients means they’re doing something right. Oh and you can check out our Google reviews here and here.
A good mortgage broker should work for you, not the lender. If you’re looking for whole-of-market advice, transparent fees, and an experienced team that actually listens to your needs—let’s chat.
Speak to an experienced (and lovely) mortgage broker today.
Meet the Team That’s Got Your Back
At Delta Mortgages, we combine decades of experience with down-to-earth support that actually helps. No scripts. No waffle. Just lovely mortgage brokers who bring clarity, calm—and a bit of personality—to every step of your journey.
Get to know the people who’ll guide you from start to keys.
Your property could be at risk if you do not keep up repayments on a mortgage, or any debt secured on it.