In 2026 there is a software tool, comparison website and piece of AI that can do just about any task we need from buying a book in 2 clicks of a button to advising on the biggest debt you will ever take out in your life. But is using a comparison website for your mortgage really the best idea?
Can you really trust unqualified technology to find you the very best deal for your biggest ever commitment and will it complete all the paperwork for you? Let’s look at the pros and cons of using a comparison website Vs an independent mortgage adviser to find you the best mortgage deal.
Comparison website: Hours spent researching Using an independent adviser: Adviser saves on average 20 hours of research and admin time. Time that you could spend sorting the other things in life you need to worry about or spent getting excited about your new home and not worried about trawling comparison websites and completing paperwork.
Comparison website: Only show you the headline details, they don’t show lender criteria
Using an independent adviser: Your Adviser checks criteria for you to make sure you meet the lenders requirements before committing to a full mortgage application saving you time, stress and a hard search on your credit file.
Comparison website: Completing your own affordability checks can lead to error
Using an independent adviser: A qualified adviser will key in your affordability calculator correctly to ensure an accurate figure at the outset before submitting your application which will fall at full application if entered incorrectly at first.
Comparison website: Not all lenders advertise their entire product ranges on comparison websites
Using an independent adviser: Some advisers have access to exclusive products through their networks not shown on comparison websites which could save you £1,000s. They can also see the full and extension range of products every lender has no offer, not just the headline rates on offer on the comparison websites.
Comparison website: Comparison websites only look at the mortgage you key into the system
Using an independent adviser: They will look at the bigger picture for you and consider your long-term plans, your current circumstances and help you prepare for any changes along the way.
Comparison websites: only look at the mortgage
Using an Independent Adviser: Provides you with holistic advice, beyond the mortgage. They can make recommendations for life insurance, solicitors and surveyors to support you with all aspects of the home buying process.
Comparison websites: No tailored advice
Using an Independent adviser: Can provide a tailored recommendation to your specific needs which may be more suitable than the product you found online, rather than just actioning the product you found online.
Comparison website: You must complete all paperwork and work with lender yourself, which is not only time consuming but a risk of error, delays and potentially a declined mortgage application.
Using an Independent adviser: They will handle the lender requests and paperwork, answer all questions and provide further information so that you do not need to. Saving you time, stress and the possibility of getting it wrong.
Comparison website: Once the website has put you in contact with the lender you are on your own. Left to handle the paperwork, questions and further requirements.
Using an independent adviser: Your adviser is available 24/7 to progress your application and answer any questions you may have.
If you want to save yourself time, money and stress and want to use an expert independent mortgage adviser, call Green & Green mortgage and protection today – 01482 205084.
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