You've found the house. The estate agent smiles and says, "We've got an in-house mortgage adviser, you'll have to speak to them before we can accept your Offer"
It sounds convenient. It's worth pausing on.
Here's the question I'd want every buyer in South Wales to ask: who does that adviser actually work for? The estate agent is paid by the seller. Their job, done properly and legally, is to get the best outcome for the seller. The adviser sitting in their office is part of that machine. There's also a quieter pressure in that arrangement: information about your budget and your borrowing power sitting very close to the people negotiating against you.
We built Sturgess Mortgage Solutions on the opposite idea. We work for the buyer. Nobody else.
That's not a slogan; it changes what happens in practice. It means when we negotiate and yes, we'll place and negotiate your offer with the agent if you want us to, we're pushing in one direction only: yours. It means our recommendation comes from the whole of the market, over 90 banks and building societies, not from whoever pays the best referral fee. And it means when a sale gets sticky, we're the ones ringing the solicitor, the lender and the agent until it moves because a buyer with someone chasing on their behalf completes faster and with less stress than a buyer left to chase alone.
You have the legal right to choose your own mortgage adviser and your own solicitor. No agent can make their in-house services a condition of viewing or offering and if you ever feel that pressure, treat it as useful information about who they're really working for.
Buying a home is the biggest financial decision most of us make. You wouldn't share a solicitor with the other side. Your mortgage advice deserves the same independence.
If you're buying in Swansea, Llanelli or anywhere across South Wales and you'd like advice from someone unambiguously in your corner, call us on 01792 399155 or arrange a callback. The conversation costs nothing, and it's yours alone.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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