Broker vs Bank: Which One is Better for Your Mortgage?


When it comes to buying a house, choosing the right lender is one of the most important decisions you’ll make. Many people assume that going with their own bank is the best option, but this isn’t always the case. In this post, we’ll explore the differences between using a bank or a mortgage broker for your mortgage, and help you make an informed decision.

Interest Rates:

Interest rates are a major concern for anyone getting a mortgage. If you go with your bank, you’re tied solely to the rates they offer. However, working with a mortgage broker gives you access to a suite of lenders and products, so you can choose the one that best suits your individual needs and preferences.


A mortgage broker acts as a link between you and the lender, and helps you choose the lender that will suit you best. Depending on your situation or preferences, going down the traditional ‘bank route’ may not be the best choice financially and may end up costing you more over the life of your mortgage.

Help Throughout The Process:

Buying a house can be a daunting experience, but having an expert by your side can make all the difference. A mortgage broker knows the mortgage business inside out and can guide you through the whole journey, making the process as ‘EZ’ and straightforward as possible.

Added Extras:

Mortgage Protection is a legal requirement when taking out a mortgage, and income protection is also an important consideration. Most banks have their own life company affiliated with them, meaning you get only one quote and one option. Choosing a mortgage and life broker like Ezfees Financial means you not only get the best option on your mortgage but also on your mortgage protection, too.


Choosing a mortgage broker for your mortgage is the smart choice for many reasons, including better interest rates, a wider range of options, expert help throughout the process, and access to added extras like mortgage protection. If you’re looking for a mortgage and life broker in Ireland, contact Ezfees Financial today. After all, we are here to help you! Contact us at today. We’d love to hear from you!

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