Like most financial commentators, Which only does half the job at best. People get a mortgage to buy a property. Local independent advisors when spending time face to face with clients do much more than just suggesting the cheapest lender. If Which recommends a direct only lender or intermediary lender with poor service the buyer may lose the property through delays and lack of communication. Nor will Which Advisors guide you through all the other considerations of buying such as solicitors, surveys all of which can make or break a transaction. They recommend Lifesearch for insurances but how many buyers will actually set up approperiate insurances themselves. Again a good broker will tailor a solution and make sure properly set up so the purchase is fully protected at exchange of contracts. You pay peanuts you get monkeys. A £399 fee to a broker for a lifetime of advice that saves you much more than a headline HSBC rate does, is well worth the money.