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Yea but many are part of a large platform so get access to most if not all. Can often obtain better rates but of course could charge a fee. I'd be surprised if an IFA charged for an initial consultation

If you are first time buyers, I would see value in an IFA helping you. Of course you are under no obligation to shop the market too

Depends on circumstances. Do you need help, or are you confident you can do this yourself? If you need an IFA, I've used Richard Tiltman (yes him..) who is Worthing based. Reasonable fees and always provided very good service, been helpful and clear when explaining options.

I've used a broker for my last 2 mortgages (former BHA striker no doubt) and although there is a fee, he got me a deal not directly available that saved me about £20 a month from what I could get meaning his fee was paid 18 months into a 5 year deal. He also sorted all the paperwork and went...