The Sunday Times - When you are better off ditching the middleman

Aaron Strutt Image

More consumers are turning to financial advisers during the recession - though there is growing evidence they could be better off buying direct from providers.

Aaron Strutt of Trinity Financial, a mortgage broker, said it still paid to seek independent advice. "A good broker will direct their client to the best product - even if it is direct from a lender," he said.

"Broker-only deals could be better in the long run. Abbey has a four-year fix at 4.99% for a £995 fee with free valuation and legal fees, maximum loan of £1m - only through brokers. HSBC's five-year deal is 4.95%, but the maximum loan is £500,000."

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