With the global credit crunch hitting the headlines day after day, if you are searching for a mortgage a new landscape has developed.

With the withdrawal of 100% mortgages in the UK, and some lenders actually ceasing to take on new mortgage business, it can be harder to find the best deal for you. Especially if you have adverse credit or are self employed, then finding a lender can be difficult. So in today's market, mortgage search services can help in the following ways:

1. As specialists, mortgage brokers have up to date knowledge of what mortgages are available
   
2. If you have non-standard personal circumstances, such as poor credit history or you are self-employed or need self certification mortgages then a mortgage broker will be aware of which lenders are the most flexible
   
3. A local mortgage broker will also have detailed knowledge of the market for specialist types of mortgage or remortgage such as buy to let mortgages or shared ownership mortgages
   
4. Because they are independent, mortgage brokers are able to offer you the best advice for your particular circumstances, without being tied to a specific lender's products
   
5. Mortgage advice services employ highly skilled staff, who are able to explain to you in detail what the benefits and drawbacks of a particular mortgage type are, whether you are a first time buyer, moving house or remortgaging
   

If you are in any doubt about which direction to take for your new mortgage, then let an independent mortgage broker guide your steps and map out the path to the best deal for you.

Alan Hall is a Director of Firstxtra Ltd, which runs the http://www.findmethebestmortgage.com website, specialising in finding the best mortgage deals, especially for those with special requirements such as self employment, buy to let or adverse credit.

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