A good financial intermediary for a mortgage: a financial intermediary or an independent product search? Is it important to choose an intermediary, which service are we going to use? This question is particularly valid if we are looking for a bank in which we will apply for a housing loan or we are looking for investment products.
Using the services of an appropriate adviser or intermediary is the first key decision that we must take. The wrong choice can have big consequences that we will bear for many years.
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Where to look for such a broker? We can use the help of Association of Financial Consulting Companies and check whether the adviser represents a company associated in the Union. Such companies are required to comply with the ethics and canon of good practice. They are also subject to the supervision of the commission, which accepts complaints about unreliable advisers.
A good financial intermediary has a very wide range of banks, which can be adjusted individually for the client’s needs. The professional should not only have adequate knowledge of the product offered, but also must thoroughly analyze the client’s situation, so as to examine his needs and choose the most beneficial solution. The availability of an intermediary and readiness to answer product-related questions are also important.
The customer must count on comprehensive assistance not only in the selection of the offer, but also in collecting and filling out the necessary documents.
The client does not pay for providing advice, help in finding a loan or running A to Z in the case of applying for a mortgage.
What is worth asking an intermediary who is not an employee of a consulting company? Already at the first meeting, it is worth finding out what experience and qualifications are and whether the advisory service is free. It is also worth asking whether the advisor offers independent services or only limited to a few offers or products.