A pro-active approach can get mortgages accepted

One plus point of using a mortgage adviser is that we often get the chance to discuss cases directly with underwriters — turning a maybe into a yes.

One plus point of using a mortgage adviser like myself is that we often get the chance to discuss cases directly with the underwriters at a lender.

Computer says no is not the end of the conversation. Where a case falls outside a lender's automated criteria, a well-argued note explaining the client's circumstances — a recent job change, a historic default, a deposit gifted by family — can be the difference between a decline and an offer.

That only happens when someone picks up the phone. It is the part of the job that never shows up on a comparison site, and it is the reason a proactive broker is worth having in your corner.