Want to save money, time and effort? You need a good mortgage broker. One of the best ways to find a mortgage broker is to ask your friends and family for recommendations. This means you'll get some honest opinions about the brokers out there, and it's for free. A decent broker will discuss your circumstances and your needs. This means they can talk to you about the most suitable choice for your mortgage.

Working out how the broker is paid is an important issue. Some brokers will receive a certain amount of commission and others will charge normal fees.

Brokers have their own databases with which they can compare the best deals on the market. Some brokers have exlusive mortgages available, although this is more down to how much business they handle.

Any deals that you get from a broker is liased on your behalf, and they will also help you fill in any necessary details.