If you go to a lender direct, they will be able to provide you with the best deals that they have available, the maximum loans that you can get under their criteria and the most suitable products for you that they offer.  ​If you go to a mortgage broker, we can speak to lots of lenders, all who have different criteria, and assess your situation differently. This may mean that you can either borrow more, at a better rate, or on different types of property.  Therefore, you may find when you go direct to your bank that they are not able to help but through a broker may be able to find a solution.