UK Life Insurance Quote Whole Market Mortgage Broker: Best Lender Deals

MSE Martin Lewis recommends Mortgage Brokers?

money saving expert mortgage brokers uk review

In this Martin Lewis Mortgage Brokers Money Saving Expert review guide we will look & examine whether 🔸 MSE Martin Lewis thinks Mortgage Brokers are worth it? 🔸 Martin Lewis Mortgage Broker Best Top Tips & more...

* Martin Lewis - Likes Mortgage Brokers >* Martin Lewis - Apply for Mortgage Direct >
* Martin Lewis - Using Mortgage Brokers >* Martin Lewis - Mortgage MSE Top Tips >
* Martin Lewis - Mortgage Broker Fees >* Martin Lewis - Mortgage Insurances >
* Martin Lewis - Finding a Good Broker >* Martin Lewis - Checking Paperwork >

Does MSE Martin Lewis recommend Mortgage Brokers?

The Money Saving Expert Martin Lewis says NEVER only just go via your Bank for a cheap mortgage. However, they also point out there's nothing wrong with that as an initial start.

Why? Because MSE notes you'll just be offered their own financial products. SO that's no good IF you really want to compare all the Best Deals across the whole Mortgage Market.

Martin Lewis is positive therefore that 💯 "100% a good qualified Mortgage Broker is worth their weight in gold"

As he remarks, mortgages are such one big single financial transaction, so he says it can be a real boon here when getting professional broker help.

He does caveat that by adding that usually MSE often favours trying to sort out your own finances yourself...but not necessarily in this particular instance.

As a Whole of Market Broker we strongly agree with these sentiments here, on what best benefits Mortgage Brokers Martin Lewis says they can bring. Especially in todays ongoing cost of living crisis & rising interest rates.

Please let our mortgage advisers help shop around the whole mortgage market >>


Apply Direct or Mortgage Broker Money Saving Expert?

MoneySavingExpert suggests initially that you may start off doing a basic 10-minutes research for mortgage deals available online.

MSE assumes here that you've already a basic understanding of mortgages, plus what kind of deal you're perhaps looking for?

Once you know what mortgage type you may want ie; whether it's fixed, variable, discount or a specialist mortgage, you then need to start looking at what mortgage rates you can get.

This will all depend on the size of your house deposit you may have saved up firstly, and then secondly the value of the property.

They say that the bigger your deposit compared to the value of the property (known as the 'loan to value'), the better mortgage rates you will be able to get.

From there, Money Saving Expert Martin Lewis says that when you're applying for a mortgage or indeed remortgage, you have got 2 main ways of going about it:

  • Apply Direct or go via a Mortgage Broker.

Please let our mortgage advisors help shop around the whole mortgage market >>

*Apply For a Mortgage Direct?

  • MSE says IF you think you're 'mortgage-savvy', then you might wish to consider applying directly yourself.

However, they also comment that if you do get that best mortgage or remortgage deal, then you can potentially save yourself £100's each month.

Conversely, they add it's then also possible to get it all horribly wrong & cost you money.

So if interest rates on mortgages are much higher right now, you may possibly end up paying massively over the odds. 

What they don't point out here though also, is the amount of time & stress you could spend researching out that best mortgage deal, on probably the biggest financial purchase of your life.

Alongside, we would also add consider what many people say here; That the 3 most stressful things in life are supposedly 'death, divorce & moving house'

In other words, the benefits of getting good professional broker help here, could hopefully both save you money, time + reduce some of that stress.

'MOVING HOME' RANKED BY 57% BRITS AS ‘MOST STRESSFUL LIFE EVENT’

mse money saving expert mortgage brokers
MSE Martin Lewis on Mortgage Brokers...they can be a Real Boon

*Apply via a Mortgage Broker?

  • MSE says that for many, applying through a mortgage broker is their most sensible route for such a big purchase. 

Why? Well they comment that many people may find that on top of any lenders guidance & rules, for those who think they are fine sorting out their mortgage, it's then often both a long tough logistical slog & time-consuming exercise.

So their mortgage brokers money saving expert best advice is that many advisers will often have the benefit of knowing details of most UK Lenders' acceptance criteria (which you may not).

Many advisors will also be able to advise you about the various home-buying schemes available (eg; Shared ownership) & to see importantly, if you are eligible.

MSE says tell your mortgage adviser upfront to make it easier for both parties, of exactly what you are looking for here.

These criteria & details they advise, are not usually publicly available. Or it could be for example you have a poor credit history, making it harder to even get a good mortgage deal.

Qualified mortgage brokers Martin Lewis says are often therefore worth their weight in gold here, because as mentioned they should 'know key details about lenders' criteria'.

For example, they would know if the lender that you are thinking of actually doesn't even lend on for example, properties above shops, or in council blocks ie; a specific property type & appropriate lender you maybe interested in.

So instead the adviser would be able to recommend a different lender. One that actually does specialize in this marketplace.

In other words, we say as brokers it could be you maybe waste timing and money & perhaps lose your ideal property, because your financial situation means only certain lenders may accept you.

So Money Saving Expert mortgage brokers advice is that here they can use their knowledge to help place your application with a suitable lender, one more likely to accept you ie; best use of your time & leading hopefully to less stress.

Please let our mortgage advisors help shop around the whole mortgage market >>

Who's MSE Martin Lewis re Mortgage Broker guide?

Martin Lewis CBE & OBE is a highly successful Financial Money Expert & Reporter. Martin Lewis is also the founder of the website Money Saving Expert & remains executive chairman.

He also has his own regular current affairs TV Money Show shown on ITV. These shows may include various money savings expert Martin Lewis advice on Mortgages & Finance, and were all initially broadcast after the London Olympics back in 2012. 

Martin Lewis is now therefore often seen on TV commenting on all different current financial matters. Or appearing on general daytime TV, Martin Lewis mortgage advice on This Morning is often watched, being the popular go to person for sound overall financial advice.

In 2012, his popular Money Saving Expert website was reportedly also sold to The Money Supermarket.Com group for £87 million.

*Is Martin Lewis a Qualified Mortgage Adviser?

Some people may ask, is the Martin Lewis a qualified advisor to give mortgage advice?

The short answer is 'No he isn't' - but many still look to the Martin Lewis website Money Saving Expert for their overall best advice on mortgages.

Interestingly also, it seems in today's world people do now turn to Martin Lewis financial advisor views & more so than a real IFA.

Importantly, he often stresses when talking that the various information he provides over a range of money related subjects like mortgages, is not fully regulated financial advice.

Martin Lewis in these challenging 2020's instead is an all round UK Consumer Champion for his respected commercial opinions, whether that's on mortgage rates or brokers.

However, his undoubted success today in 2025 hides a very sad story from his past, which he emotionally & honestly explains further in this BBC Podcast >

Martin Lewis sadly told of his own life story, where at only aged 11 he unfortunately lost his late Mother Susan Lewis, in a tragic road accident.

What happened to Martin Lewis as a Child then reportedly left him emotionally unable to sometimes leave his own house - for upto 6 years (Times Newspaper Article).

Except for going to school, this emotional impact left him he said looking back with both extreme anxiety & trauma. 

As such, Martin Lewis illness mentally as a teenager back then & during some darker days says he sometimes “struggled to even get out of bed”.

The tragedy on the longer term impact of someone losing a parent so young into their lives, whether this be financial, psychological or both.

As such today he says 'Financial problems and mental health issues are locked together — it’s about time treatments were linked too', urges Money and Mental Health Policy Institute & its chair founder Martin Lewis.

This then means that he can also speak now with some authority around the subjects of mental health & where he also explores the link with finances & money management.

Some of these Martin Lewis' Money Management books shown below are all therefore well worth a read, especially in this ongoing cost of living crisis.

Mortgage Brokers Martin Lewis | Finance ReviewMortgage Brokers Money Saving Expert | Martin Lewis Review'mse martin lewis on mortgage brokers' & money review
UK Review Martin Lewis Money Expert Savings

Important Note: This overview on Money Saving Expert Martin Lewis on Mortgage Brokers is not a scam fake advert re Martin Lewis recommending our own mortgage broker referral services, which he doesn't. As you may be aware he & MSE are impartial. Therefore he does not endorse any particular products. Any Martin Lewis Money video's shown may have some out of date information on them - due to any interest rate rises & the ongoing cost of living crisis.

Please let our mortgage advisors help shop around the whole mortgage market >>


Martin Lewis: 'Find a Mortgage Broker you're Comfortable With'

Those estate agents you may meet when you are off house hunting, will naturally often recommend to use a mortgage broker (usually their own in-house one). They may even work from their same estate agency offices.

But MSE says you are NOT tied to using their own mortgage brokers, even if you buy the property via that estate agent.

Ask Friends who've moved for recommendations – many local brokers are fantastic.

  • The key aim is to find yourself the best brokers for the lowest possible price
  • Not all mortgage brokers are the same
  • Ask if they check ALL products available to brokers VS they check some lenders
  • Note: Some brokers are also tied to just one lender
  • Or they operate off a small panel of lenders, so they search out fewer deals
  • This means they're limited in what they can offer you
  • So this makes it simpler & cheaper for them to operate

MSE says...Just be clear on what any best mortgage broker Martin Lewis says their services they are offering to you...

  • Weigh up those needs to check 100% 'every mortgage deal' that's available
  • Your own willingness to do some legwork yourself
  • If you're happy paying them a broker fee

Once you've found a broker you're happy with, they say you need to ask them these next key questions to find out IF they're the best mortgage broker for you.

Please let our mortgage advisers help shop around the whole mortgage market >>

*Are they CeMAP Qualified?

You need to first find out whether a mortgage broker is qualified to advise you. Make sure you're getting advice from a qualified mortgage adviser (the most recognised UK qualification is called CeMAP).

If their advice turns out to unfortunately be wrong, then the Financial Ombudsman will be able to investigate any wrongdoings.

Your broker should assess your mortgage needs and eligibility before recommending the most suitable product for you.

They say this should be the preferred route that also offers the most protection for you as a consumer.

If you have chosen instead any products from an information-only service without full advice, you'd have no comeback if you made the wrong choices not them ie; execution only services.

How much are Mortgage Broker Fees | Mortgage Brokers in the UK

*What about Mortgage Broker Fees?

Money Saving Expert says ask the mortgage broker how they get paid? MSE explains this then tells you how the brokers will make their money from your mortgage deal. Brokers have 2 possible sources of income to both earn their living & you getting best advice:

*Do they charge a Commission?

Almost all lenders pay mortgage brokers what's called a 'Procuration Fee' of roughly 0.35% of the transaction (ie; £350 per £100,000).

This is a commission based on your mortgage loan size & importantly and doesn't affect the cost of your mortgage.

They are obliged to tell you the exact amount they will be paid before you apply.

You can find this info alongside the 'Key Facts Illustration', which they must provide before you apply.

*Do they charge a Fee?

Brokers may also charge you a fee directly. This might be on top of their commission, or for some brokers instead of it.

In other words, they can charge both a fee and then refund you the commission procuration fee.

MSE says if they offer you the choice between either fee or commission, then they can call themselves 'independent'. If they don't, they can't – which is a bit confusing.

No reputable mortgage broker Martin Lewis comments should charge more than around 1% of the mortgage value, even for those customers with a 'poor credit rating'.

If yours indicates they charge more, then he says feel free to walk away. Fees can be charged at any point in the process, providing you're told about them at the outset.

They also advise to consider avoiding using any mortgage broker who charges you big fees before completion. If the purchase falls through, you'll probably still have to pay.

Please let our mortgage advisors help shop around the whole mortgage market >>


Martin Lewis Best Mortgage Brokers Guide


Checking Main Mortgage Paperwork

Money Saving Expert says you could probably start your own library out, with the amount of legal mortgage paperwork you may get sent whenever you take out any mortgage or remortgage. 

The 2 main documents MSE advise you need to be aware of are:-

  • Key Facts Illustration & The Mortgage Offer

*Key Facts Illustration

They recommend here on this point what to mainly look out for, but the "Key Facts Illustration does what it says on the tin.

It should give you all those salient key facts about the mortgage product (not all of them) but the main ones.

You should be given one of these before you make a mortgage application. You ideally should carefully check through this...

  • Does it have that Key Facts logo on it? (Shown below)
  • Is the correct date on it?
  • Have your name on it?
  • State whose created it?
  • This should either be your broker's details, or the lenders (if you've gone direct)
  • Does it say if you have been recommended the product?
  • Check if all of the mortgage information is in there?
  • If so then file that illustration & then safely keep it
  • Check if any of this information is perhaps missing?
  • If so, then ask the lender or broker for a new copy again
  • Your lenders won't keep a copy forever
  • Keep it somewhere safe - as it could be years before you may need it again
  • It's a legal financial document so is important
  • Maybe used in the event you ever have a disagreement with your lenders
  • This document is therefore a crucial piece of evidence
  • It proves what you were recommended, by whom & when
mortgage broker key facts

*The Mortgage Offer

Once you have successfully applied for a mortgage, you should then be sent a legal mortgage offer by the lender.

This gives ALL those salient facts about the mortgage & all those conditions on the loan that you are now agreeing to.

However, they say it is massively important that you carefully read through it and re-check every detail is 100% accurate.

MSE says that it is abit more reading & we agree as brokers here because mistakes do happen eg; Be sure to look for:

*Mis-spelled Names or Incorrect Loan Amounts?

This could possibly stop the mortgage going ahead all at the very last minute.

It can then result in further untimely delays & maybe additional expenses.

Worst case scenario, it could then jeopardize that home purchase and they say even more scarily, losing the whole mortgage offer completely.

*Any Unexpected Info contradicting Key Facts Illustrations?

  • Pay particular close attention to any fees?
  • Any early repayment charges?
  • Conditions you may need to meet to then complete?
  • Note: it's your solicitor's job to check you've met all these before the money can be drawn down.

Your mortgage broker should also check the whole mortgage offer for accuracy (but don't rely on that they say).

MSE says if you were then to disagree on any points later down the line, then it could be very difficult to win the argument if you've signed the document accepting the conditions.

Please let our mortgage advisors help shop around the whole mortgage market >>

Martin Lewis Mortgage Tips


Martin Lewis Best Mortgage Brokers 10 Top Tips

1) NEVER just go blindly via your Bank

MSE Martin Lewis mortgage tips here points out - don't automatically just blindly use your existing Bank, or indeed Building Society services.

They will ONLY usually give you their own range of mortgage deals. They won't therefore offer any array of maybe cheaper or different alternatives.

So this means it's unlikely you will stumble across the best market deal for you. But Martin Lewis says do check what it's offering - as it's a good starting point.

Please let our mortgage advisers help shop around the whole mortgage market >>

2) BEST Mortgage-Broker-Only Deals?

Martin Lewis best mortgage brokers tip is that there are often some top mortgage finance deals - that maybe ONLY be accessed via brokers ie; a Mortgage-Broker-Only Deal.

The other benefit is that different brokers often have exclusive deals from lenders (though there can be a small 'booking fee').

The biggest national mortgage brokers often have their own deals.

Or some local brokers may offer exclusives via their 'broker networks' which negotiate good deals for them.

MSE says always weigh up the benefit of the exclusive mortgage deal against any fees.

3) USE MSE Best Buy Benchmark Mortgage Rate Tool

Martin says that there are plenty of mortgage comparison sites out there. However, they say none will guarantee to show you all the best deals available.

This is because the UK mortgage market is complicated, making some deals are only available through certain brokers.

Therefore, MSE says it makes it very difficult for any mortgage comparison site to know about every single deal at all times.

However, their Money Saving Expert Mortgage Best Buys Tool they comment has all deals available direct (and most available to only mortgage brokers).

We say even if it covers 99% of deals, it's a valuable place to start if you want to do some research.

Please let our mortgage advisers help shop around the whole mortgage market >>

4) DON'T compare Lenders APRC - It's mostly meaningless?

MoneySavingExpert says all lenders have to tell you their effective averaged annual interest rate (APRC). This applies if you hold your mortgage for the entire term (normally 25 years).

Martin says you could ignore APRC - because it's a rate that in many cases he says you'll never have to pay ie; it's meaningless.

So MSE comments if you had a fixed rate at 3.49% for 2 years, which then jumped upto the Standard Variable Rate (SVR) afterwards of 4.74%, that APR figure would be around 4.5%.

WHY is this APR meaningless? Well, firstly you may never pay it. On their above example, you pay 3.49% for 2 years, then 4.74% afterwards. BUT at no point would you ever pay the 4.5% APR ie; it doesn’t reflect the true reality.

Surely IF it shows the price over 25 years, it’s good for comparisons?
MSE say not really because very few mortgage holders do stick with their same mortgage deal over 25 years.

Most people remortgage. Then they chop & change along the way at some point. So averaging out over that full term, well Martin Lewis says doesn’t make that much sense.

uk mortgage brokers

5) WHERE to find Top UK Mortgage Brokers?

*Free ONLINE, TELEPHONE and FACE-TO-FACE brokers

MSE options these companies (access 90+ Lenders) such as L&C Mortgages, Habito, Trinity Financial, Mortgage Advice Bureau, Better.co.uk

*Free ONLINE and APP-BASED brokers

MSE options these companies (access 87/90+ Lenders) Moneybox Mortgages & Fluent Money

*Specialist FEE-CHARGING brokers

MSE options these companies (access 90/120+ Lenders) John Charcol & CMME

OR what they don't comment on here alternatively for example, is if you are interested in more specialist products like Equity Release & Lifetime Mortgages Martin Lewis notes elsewhere may require suitably qualified mortgage advisers.

Note: If you don't wish to use any of the above suggestions but still wish to instead access 150+ Lenders, then please use of services as 'whole of market brokers' - via telephone or face to face.

Although there are 100's of UK National or Local Mortgage Brokers, MSE don't specifically refer our own financial services.

Please let our mortgage advisors help shop around the whole mortgage market >>

6) PAST DEBT problems – Need a Specialist Broker?

MSE point out that IF you have had mild or severe credit problems (see their Credit scores guide), be very wary of going to that 'specialist poor credit' mortgage broker ie; Ones who advertise everywhere.

Money Saving Expert comment these often charge very high broker fees - as customers tend to think 'that's all they can get'.

Most normal brokers (including their MSE options listed above) MAY often deal with what is called the 'sub-prime' mortgage market too, & sometimes at the same fee rates that they normally charge ie; They state there maybe absolutely no need for you to go to a specialist.

We would add, if you do have any adverse credit & worried you may not be able to get a good deal? If you're now reading this because your having trouble getting a good mortgage, remortgage or secured loans finance...

Please let our mortgage advisors help shop around the whole mortgage market >>

Can get a Mortgage with Bad Credit via normal Mortgage Broker?

7) SHOULD I speak to Multiple Brokers MSE?

MoneySavingExpert says that most mortgage brokers only charge upon completion of the mortgage, so comment that there's nothing to stop you getting a second, or even a third, opinion.

They remark that 2 heads are often better than one. So, they suggest why not try a few mortgage brokers & see if anyone beat the others?

We say as whole of market mortgage brokers this is only fine (if you have the time) alongside viewing new properties or selling your own property etc;

Note: MSE points out very importantly - Do check that any Brokers don't then submit any 'Agreement in Principle' without your permission here.

Why? Well because this can then involve a 'hard credit search' onto your file.

Too many of these hard credit searches then may actually hurt your overall credit score, meaning you end of getting a worse deal!

(For guidance - see their Money Saving Expert Credit scores guide).

Please let our mortgage advisors help shop around the whole mortgage market >>

8) CASHBACK Brokers - offer Deals?

Martin Lewis mortgage tip here is it's worth asking what commission your broker's getting for helping arrange your mortgage.

They point out this amount should be usually stated on the last page of your mortgage illustration. MSE advise typically that it's likely to be between 0.35% & 0.5% of the mortgage value.

So for example upon a £100,000 mortgage, their broker commission or 'proc' fee they get will be between £350 and £500.

They comment it's worth asking IF they're prepared to rebate any of their broker commissions as 'cashback' to you when the mortgage completes. Especially if you are also paying a fee for their professional services as well.

Martin reckons you are perhaps more likely to be able to strike a deal on much larger mortgages (where your fee plus their commissions are often more than £1,000)

BUT he also says that any mortgage broker's well within their rights to also say 'No' - to whatever their final income they get from arranging your ideal mortgage.

We would add here that don't be offended should they refuse to do so - due to the sheer amount of hours the paperwork your application may possibly involve.

Ultimately you also want their 100% professional commitment, rather than haggling over say a £100 fee split on a finance deal for £1000's to buy your dream home.

mse mortgage brokers review

9) CHECK All those Mortgage Deals

Money Saving Expert mortgage advice tips here are IF you used a standard broker, it maybe they still miss some deals as sadly, some lenders have retreated from the broker market to cut their overheads & costs.

Others UK Lenders they say simply don't allow brokers to access any of their deals; others reserve some deals for direct sales only.

MSE remarks that for Belt 'n' Braces, compare a mortgage broker's best result to those 3 main types of mortgage 'it may not have included'...

*Lenders who don't operate via Brokers?

The Yorkshire Bank, Yorkshire Building Society & First Direct they mention are examples of mortgage lenders that don't offer all their deals through brokers ie; you would have to apply direct. 

Yorkshire Building Society he says does however deal via its own mortgage broker brand, Accord.

MSE in conclusion, remarks that Mortgage Brokers who say they searched 'the whole market' should include direct-only deals in a comparison

BUT likewise they don't have to then offer to help you purchase these as they can't advise on them & don't get paid for this either.

*Lenders who don't offer ALL their Deals through Brokers?

MoneySavingExpert Martin Lewis mortgage tips is that you will really need to do some extra legwork for any of these.

A few mortgage lenders do put some deals out both through brokers and then also offer some direct-only as well ie; they jokingly add 'Just to show there's nothing like keeping things simple'

In some cases, these direct-only deals can sometimes be much more competitive he says (but not always).

Usefully their MSE Mortgage Best Buys tool can help to find those best deals for you, and tells you if they are available either via brokers or just direct-only.

Please let our mortgage advisors help shop around the whole mortgage market >>

*Exclusive Only Deals via other Brokers?

Into the final category are those mortgage deals which are only available exclusively through certain mortgage broker networks, as they sometimes negotiate their own special deals with lenders.

MSE says unfortunately they can't cover all of these in their best buys tool, but believes they are not a significant proportion of the market.

For full Belt 'n' Braces, you could always try a few different mortgage brokers.

To properly compare all those UK mortgage deals, or find the best deal that any broker can offer you, they suggest using their various Mortgage Tools on their website.

Martin Lewis mortgage tip here is use their helpful tools like Compare 2 mortgages or alternatively Compare fixed-rate mortgages calculators - to see what each could potentially cost you.

mse and mortgage protection insurance

10) WATCH out for the Insurance 'Hard Sell'?

Some mortgage lenders & brokers they say will also try to make more money elsewhere within the mortgage process.

So MSE says be prepared for the hard sell on these 3 various mortgage protection products, which they only mention in their review.

*Mortgage Payment Protection Insurance (MPPI)

MPPI also sometimes called accident, sickness and unemployment insurance (ASU).

The wording they then use 'it is supposed to cover your payments if you have an accident, become ill, or you're made redundant'.

MSE remarks you can only get limited help from the Government in these circumstances (but at the best) it will only cover your interest.

So they comment that it's sensible to consider MPPI, before you take out a mortgage.

In other words, how you would manage to meet your repayments if these events happened.

We would also add here that some Insurers will also allow ASU policy cover after you have taken out the mortgage, if you still want it.

MPPI they point out isn't a bad insurance policy & MSE says it can be quite pricey.

They remark quite rightly it has also been mis-sold to some people in the past, those who couldn't actually claim on it.

This can happen because those insurers doesn't carry out any major underwriting checks when you first apply, only when you go to make an insurance claim.

If you then decide to take out an MPPI insurance policy, MSE requests you check carefully:

  • That it will pay out if you claim & when it will then pay
  • You may have to wait several weeks before the insurance policy kicks in
  • How long & how much it will pay
  • It usually only covers your repayments for 12 months

Surprisingly, Money Saving Expert then don't also offer up alternative links to income protection Martin Lewis elsewhere explains benefits, for those after accident & sickness cover.

However, Income protection insurance 100% could help to cover your mortgage payments, bills & ongoing income for 65% of salary either for the full mortgage term or upto retirement.

If you possibly suspect that your job might be at risk sometime in future, they recommend trying your best to get a guarantee that the MPPI on a new policy would pay out.

MSE Review - Life Insurances re Mortgage Brokers

*Mortgage Life Insurance's via Seller

Don't automatically assume mortgage brokers money saving expert says that just because someone sold you one type of financial product, then they will automatically also get you a good deal on all those extra bits ie; such as life insurance cover or other mortgage protection insurance's.

Buying your first home they state really is probably the first time you've ever thought about life insurance. So, don't just rush in & then grab the first deal offered to you.

Whilst life insurance is not compulsory MSE says, don't be surprised if your mortgage provider then insists you have a policy in place before they release any mortgage funds.

This gives the lender comfort knowing some form of financial protection is in place, if you were to die.

In some cases they remark you could save 50% on the life cover sold by your sole lender or mortgage broker, who maybe then only use 1 life cover provider.

On that point, we say here for example; Barclays & TSB Banks currently only use Legal & General or Halifax & Lloyds Banks only use Scottish Widows for their life insurance's.

However we would add here, please note often these packaged bank insurance deals may also not be the most comprehensive available products either.

Martin Lewis on Best Life Insurance & Critical illness cover for mortgage tips that he suggest that you never just buy cover direct, but always shop around for a life insurance broker deal.

mortgage broker v bank


Money Saving Expert 'Martin Lewis Mortgage Brokers' Conclusion:

In the 2020's, sound advice on different options to obtain a mortgage either direct or via a Mortgage Broker, Martin Lewis opinions are what many people still seek his regular MSE expert advice on.

As brokers, we found his money saving expert mortgage broker review summary very good, with their useful hints & tips.

So, whether you wish to go direct, having read his mortgage brokers money saving expert guidance, OR prefer instead to speak to a professional mortgage broker. You pay’s your money & takes your choice. 

As specialist brokers, our Finance Brokerage are well placed to help you out. Whether that is a competitive broker high street finance deals or a more specialist finance lender that will consider a complex lending scenario.

Whatever your credit status, good or bad…please contact us for ideal financial solutions. Unsure & need Mortgage Broker help now in 03/2025?

Please let our mortgage advisors help shop around the whole mortgage market >>

Does MSE recommend? ‘Martin Lewis Mortgage Brokers’ review by Martyn Spencer Financial Adviser

For reassurance re health for men & women average cost - we review many of the best brands selling FamilyMortgageHome Loans Business Life Insurance in United Kingdom (inc NI)


Face to face is where mortgage advice is delivered by a qualified adviser who will travel to a customer’s home or other location of choice. There they will discuss your needs allowing any family members to be present & involved in the decision making process.

Telephone advice is where the advice is provided primarily over the telephone or on zoom by a qualified mortgage broker. This is then supported by an appropriate call centre for the purpose, with call recording, data storage and appropriate compliance monitoring procedures in place.

Martin Lewis talks about Finance & MSE Beware LIAR Fake Scam AI ads >

*Any comments & views expressed on this 'Does he recommend - 'Martin Lewis Mortgage Broker' Money Saving Expert review are for generic information only. They are not personalized advice or necessarily reflect their views. This article overview on MSE Martin Lewis Mortgage Tips & advice on Mortgage Brokers is not a scam fake advert re Martin Lewis recommending our own broker referral servicesAs you may be aware he & MSE are impartial. Therefore he does not endorse any particular products.

Any Martin Lewis Money video's or images shown may also have some out of date information on them - due to the ongoing cost of living crisis & any UK interest rates rises. Often these Money Saving Expert Mortgages Broker articles may no longer be personally updated or written by Martin Lewis himself. MSE do state he oversees site content, especially the MSE weekly email. Naturally, although MSE is an independant website finance allows no advertising nor subscription, it may receive a revenue via 'affiliate links' to what they believe are the top products or mortgage brokers (which we aren't mentioned)

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