By James Evans, Director, TouchPoint Mortgages.
If you’re looking for the best mortgage deal, you’ve probably come across the term “whole-of-market mortgage broker.”
But what does that actually mean? And how is it different from walking into your bank or using a price comparison site?
In this blog, we’ll explain what a whole-of-market broker really is, how it benefits you, and how TouchPoint Mortgages fits into the picture — especially if you’re based in Littlehampton, Rustington, or West Sussex.
A whole-of-market mortgage broker has access to a wide range of lenders across the market — not just a single bank or small panel of providers.
They’re not tied to one lender or limited to a few “partner deals.” Instead, they can search hundreds of mortgages across multiple banks, building societies, and specialist lenders to find the most suitable option for your needs.
⚠️ Important: Not all brokers are whole-of-market. Some only work with a restricted panel or certain high-street names.
You’re not just seeing the tip of the iceberg — you get access to a much wider range of rates, terms, and features.
A whole-of-market broker looks at your full circumstances and matches you with the right lender — not just whoever’s easiest to place.
Some lenders only deal with brokers and don’t advertise to the public. You could access lower rates or better terms that you’d never find online.
At TouchPoint Mortgages, we can help with:
First-time buyer mortgages
Remortgages
Homemover mortgages
Porting existing deals
Self-employed & complex income cases
Buy-to-let and let-to-buy
Shared ownership and affordable housing schemes
Looking to switch your current deal? Visit our Remortgages page
Yes — but it’s worth checking exactly what that means. Some brokers say they’re “whole-of-market” but still have exclusions or restrictions.
At TouchPoint Mortgages, we’re part of PRIMIS Mortgage Network, which gives us access to a broad lender panel, including many exclusive deals not available online or on the high street.
In most cases, your initial advice is free. At TouchPoint, we don’t charge any upfront fees for our first meeting — we’ll only charge a fee if and when you apply, and that’s always agreed in advance.
There are no hidden costs, and we’ll always explain your options clearly.
A whole-of-market mortgage broker gives you more choice, better advice, and a tailored service that’s built around you — not the banks.
Whether you’re buying your first home, moving up the ladder, or refinancing, we’ll help you make an informed choice — quickly and stress-free.
👉 Explore your mortgage options with TouchPoint today
👉 Ready to move? Check out our Homemovers guide
👉 Learn more about porting your mortgage
Send your message and we will be in touch, alternatively you can book an appointment to chat to one of our team.
