A mortgage broker will help you to find the most suitable loan for your current circumstances.
They act on behalf of a number of financial institutions so are able to offer you a wide range of products.
It can be hard to find the mortgage broker for you, so below are some tips for helping you find a good mortgage broker:

• Experience - Find out how long they have they been a broker.
  
• Qualifications - Find out what qualifications they have.
  You may wish to ask for documentation.
  
• Professional Organisation - If the broker is a member of a professional organisation this will give them more credibility as they are governed by a professional organisation.
  
• Up to date knowledge of mortgage industry - A broker needs to be update with the latest loan products on the market and aware of any special offers available from various lenders.
  
• Access to a range of lenders - A broker needs to be to offer you a range of loan options across various financial institutions.
  You will need to find out which institutions the broker is able to deal with.
  
• Word of mouth / referral from another happy customer - The experience others have had with a broker can be a good indication of the ethics of customer service and meeting individual's needs.
  
• Broker's Commissions - Mortgage brokers generally get paid by way of a commission from a lender.
  These commissions can vary from lender to lender and could influence a broker's opinion on what loan is best for you.
  Find out upfront how the broker is paid and what commissions they will receive.
  
• Broker Charges - Check if the broker charges any fees for their service.
  It is best to understand these costs from the beginning.
  
• Understanding You - A good broker will listen to your needs and ask the right questions to gain a clear understanding of the type of finance that will help you.
  
• Professional Indemnity Insurance - Does the broker have insurance cover? This covers them if they are sued for professional negligence or a breach of duty.
  
• Is your personal information kept private - You may wish to ask the broker how they handle your personal and private information.