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The power of a trusted mortgage adviser


mortgage adviser

When it comes to mortgages, many people assume that staying loyal to their bank is the best option. But in reality, the relationship you build with an independent mortgage adviser can have a far greater impact on your financial success – especially if you’re a short-term rental investor (writes Howard Reuben, Principal, HCH Financial Services).


Here’s why relying solely on your bank might be costing you more than you think and why working with an expert mortgage adviser could be the smarter move.


The limitations of a bank-only approach


Banks typically offer mortgages from their own limited range of products. While this might seem convenient, it can leave you with higher costs and fewer options. Here’s what you’re missing when you stick with your bank:


  • Higher mortgage costs: banks don’t compare deals across the entire market, so you could be paying more than necessary.

  • Limited options: broker-only lenders often offer better flexibility, lower fees, and tailored solutions, but they’re unavailable to direct customers.

  • Missed strategic planning: banks rarely provide a full financial review, meaning your debts may go unprotected, and your financial goals may be overlooked.


Staying loyal to your bank might feel easier, but it can come at a significant financial cost.


Why choose an independent mortgage adviser?


An independent mortgage adviser doesn’t just compare the best deals for you – they build a long-term relationship based on trust and your unique needs. Their expertise and market knowledge can save you money, time, and stress.


Here’s how an adviser can make a difference:


  • Comprehensive market access: advisers research the entire market, including broker-only lenders, to find you the best deal.

  • Strategic guidance: advisers don’t just focus on your current needs; they help you plan for the future, whether you’re buying your first rental property or managing a large portfolio.

  • Tailored advice: with a client-focused approach, advisers ensure that every recommendation aligns with your goals and circumstances.


A real-life success story


Take, for example, a married couple who recently sought advice from HCH Financial Services. They approached us with a portfolio remortgage quote from their bank and asked for a second opinion.


After a full review of their finances and investment goals, we found an alternative solution that:


  • Saved them £60,000 in fees compared to the bank’s offer

  • Included free valuations across their portfolio

  • Provided a lower broker fee than the one quoted by the bank’s in-house salesperson

  • Offered an on-call service for ongoing questions and support


If the original offer had been better, we would have said so – but in this case, we secured a much better deal, proving the value of independent advice.


Our commitment to you


At HCH Financial Services, we pride ourselves on being client-centric. We don’t offer sales gimmicks or make false promises. Instead, we focus on building honest, long-term relationships with our clients, many of who are property investors with portfolios of all sizes.

When you work with us, you benefit from:


  • Award-winning expertise

  • A proactive review and renewal strategy tailored to your needs

  • Transparent and regulated advice that puts your best interests first


Let’s build a relationship that works for you


Your first step towards smarter mortgage decisions is just a phone call away. Whether you’re new to property investing or managing a large portfolio, we’re here to help.


Contact the HCH Financial Services team at 0333 1234 536 or email us at advice@hchfs.com to arrange a free discovery call.


It’s time to take control of your mortgage strategy – and your financial future.

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