What Does A Mortgage Broker Do?
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What Does A Mortgage Broker Do?
Joe Capon introduces The Mortgage Bubble and explains the role of a mortgage broker.
Podcast approved by The Openwork Partnership on 26/02/2026.
What does a mortgage broker do?
Our role is essentially to find out what our clients are looking to do. It could be a first-time buyer or someone looking to move home – and with the information from the client, we put together a tailored mortgage plan.
We would then execute that plan for them. We gather all the information, starting with names and dates of birth and get to know their current circumstances. That means current income and expenditure – which could be a loan or car finance, for example.
We then use our knowledge and experience to advise clients on all the options available to them and how much they could borrow. We explain what’s involved in the process, and talk through the next steps.
We can sort out an Agreement in Principle and ultimately process the full mortgage application. It’s all about putting the client at ease around exactly what’s available to them.
What’s the difference between going to a mortgage broker like The Mortgage Bubble versus your local high street lender?
If you go to your high street lender, you’re going to be limited to what that lender can offer. They only have their available products and lending criteria. We often find that clients have been turned down by their own bank – because that bank doesn’t like their income or they haven’t been employed or self-employed long enough.
They end up feeling a bit lost on what to do next. But a mortgage broker gives you access to a comprehensive range of lenders, thousands of different mortgage products, and sometimes products that aren’t available direct with the lender.
We provide you with recommendations suitable for your circumstances. We’ll find a mortgage product that meets your goals, not just now, but ahead into the future as well.
What services does a mortgage broker offer?
Once a broker has been through your circumstances and provided a recommendation to you, normally we next get you an Agreement in Principle. That’s the first step in the mortgage process.
If you’re remortgaging, you can go from that Agreement in Principle straight to a mortgage application, which is step two.
However, if you’re a first-time buyer, you would need to find a suitable property that fits within your plan. Once that’s done and the mortgage application is processing, your broker will handle everything with the lender on the underwriting side.
We’ll update you when a mortgage valuation is booked in and handle everything all the way through to the full mortgage offer being issued. We liaise with third parties like estate agents and solicitors. Even with a remortgage, there’s still a legal process.
We help you with paperwork and explain what to expect next. A mortgage broker should also provide clients with details of the protection products available to them, offering advice to protect their financial future, which is really important.
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At The Mortgage Bubble, we provide personalised and comprehensive services and support. From the first meeting to completion, we are here to guide you throughout your financial journey.
When should I see a mortgage broker? At what stage in that process?
We would always advise someone to see a mortgage broker as early in the process as possible. People can fall in love with a property on Rightmove – but they don’t even know if they can get the mortgage.
It’s always better to know that before viewing properties. If you’re a first-time buyer or you’re looking to move home, it’s always best to get that meeting in as early as possible. We can go through your options and make sure you’re not going to have any shocks later on down the line.
We always say to our clients that before viewing, it’s best to have a valid Agreement in Principle (AIP) in place. It’s also known as a Mortgage in Principle (MiP). Then, you know you can get the mortgage and buy that specific property.
It also shows the estate agent that you’re a serious buyer. Some estate agents want you to have an Agreement in Principle before you’re even allowed to view the property, which I guess prevents any wasted time. But having that budget set early on helps meet your expectations, as well.
Does it cost for an initial conversation with you?
No, it doesn’t at all. All our initial consultations are completely fee-free. Different mortgage companies may vary, but with The Mortgage Bubble, all our initial advice is free.
What else do we need to know about working with a mortgage broker?
No matter what you’re doing, whether you’re a first-time buyer, you’re looking to move home or even remortgaging, planning ahead is always the best tip.
It comes down to knowing your numbers and your budget. If there’s anything you’re not sure of, with us there’s no such thing as a silly question. We prefer clients to ask questions – so we can feedback and tailor that plan to them. So ask about anything that’s on your mind – that’s the best tip I could ever give someone who’s looking to get a mortgage.
Key Takeways:
- A mortgage broker helps clients find tailored mortgage plans, gathering information about their circumstances and advising on available options.
- Unlike high street lenders, a mortgage broker offers access to a comprehensive range of lenders and thousands of mortgage products, including some not available directly.
- Services include obtaining an Agreement in Principle, processing the full mortgage application, liaising with third parties, and providing advice on protection products.
- It’s advisable to see a mortgage broker as early as possible in the process, ideally before viewing properties, to understand your options and budget.
- Initial consultations with The Mortgage Bubble are free, and clients are encouraged to ask any questions they have.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
Approved by The Openwork Partnership on 26/02/2026.