Buying a house is one of the most important purchases you will make, and buying a home for the first time will be an even more daunting prospect. Add to this the vast array of mortgage products available, not all of which will be available to you because of a number of circumstances and you could be left with a high-stress, confusing decision. This is why you need a independent broker.
They are able to consider your individual circumstances and match those circumstances to the lender or lenders that they believe will grant you the mortgage.
Can you imagine trawling the high street from lender to lender only to be told no or even if they say maybe is it enough on which to put an offer on your new home.