While some of us might be putting off plans for when sunshine and clarity on Brexit comes, the property market in Renfrewshire waits for nobody with a flurry of activity, homes coming to the market and getting sold quickly.

We have asked Stephen Stoops from Conquer Mortgages to offer some advice to wishful homeowners who rely on financing to secure their home. Stephen has a wealth of experience helping buyers find the right mortgage, here is what he said about the decision of using an independent mortgage advisor or going directly to your bank.