A good mortgage broker is not easy to find in today's mortgage market. Some consultants charge fees and some do not charge fees for advice and consultations. Mortgage advice is not an easy subject to grasp. It takes time and effort to understand a mortgage and the terms that go with it. Always keep shopping around for the best mortgage broker as some have different deals for finance than others. Buy to let mortgages are not regulated and many advisors can sell you this product in the UK. Nowadays you need at least 25% to get a buy to let mortagage as those days have gone where banks were lending money very easily. Remortgages are very expensive in the market and it is best to go to a reputable mortgage broker when looking for finance or refinance.