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If you think you are beyond the help of a mortgage broker because you cannot get a mortgage, you're wrong – a broker can do much more than just mortgages.

You may have been told that your situation right now means it's impossible for you to get hold of home finance, and that may be correct – many people in the UK who were once 'sub prime' or 'self cert' have now got nowhere to turn and will have to wait out the recession before any lenders come into the market who will offer specialised, risky mortgages.

But that doesn't mean your situation cannot be helped with a visit to your mortgage broker. For a start, your broker can help you organise your finances and point you in the right direction when it comes to making the most of your money. They will be able to help you break down income, outgoings and will use their expertise to help you make the most of your money.

They will also be able to help you seek out insurance products. Just because you are unable to get hold of a mortgage doesn't mean you shouldn't have some protection. Life insurance, critical illness cover, home insurance, unemployment cover, mortgage insurance – these are all things every homeowner should have. If you are in debt then the last thing you want to do is to risk what you have by not being covered for every eventuality.

You might even find that a mortgage broker will be able to do their magic and find a mortgage for you. Since you last checked you might find that there are a few products out there that will work with your criteria. You might even find that your credit score has improved enough so as you can now get accepted for a new mortgage or remortgage.

Just call your broker now and tell them about your financial problems – you might be surprised with what they can offer you.

To Keep up with news and comments on the current adverse credit market please visit the Adverse Mortgage Blog.