While comparing rates and understanding what you can borrow with MoneySuperMarket is a great starting point, it always pays to go via a mortgage broker. Brokers have access to the very latest deals, which often change day by day, and will be able to advise on the best lenders to approach depending on your circumstances. Best of all, they can speak directly with lenders with whom they have a good relationship, circumventing their algorithms and getting underwriters to understand your circumstances. Mortgage brokers are paid a percentage by lenders when you take out a deal, meaning they don’t need to cost you a penny. And the deals they get will almost always be better than if you went directly.