When you go directly to a bank, you only see the deals that the bank offers. A mortgage broker has access to hundreds of lenders across the whole market, meaning your advice is based on a much wider picture of what’s available. This is particularly valuable in London, where your circumstances (whether you’re self-employed, a landlord, or a first-time buyer) may mean certain lenders suit you far better than others. An independent mortgage broker in London works for you, not for one single lender.