Recent reports have proved that an adviser is sure to find you the best offset mortgage: statistics show that mortgage brokers could save consumers £1,830 a year compared with going direct to a mortgage lender*. That's a massive saving, but what does an adviser do that you cannot? In these days of Best Buy Tables and instant online decisions, surely you can find yourself the best offset mortgage. Why is a mortgage adviser the first person you should go to if you want a great offset deal and save yourself some money?

Well, the best offset mortgage deals are not simple - you'll need help understanding the ins and outs of these products if you are going to have a chance to use them to their full potential. An adviser is professionally qualified to be able to break down offset and tell you exactly what you need to know. And don't think they are going to sell you a bad deal so as they can cash in on your offset ignorance - by law, an adviser has to show you the very best offset mortgage deals that are right for you. And they have to back it up with facts. So with an adviser you have water-tight advice that can be proved with numbers.

And an adviser will be a fresh pair of eyes when reviewing your finances. The best offset mortgage can only be found after you know what you need out of the deal and more importantly what you don't. An adviser has the experience to see what is most important for someone in your situation, and with a bit of help, can have a good idea of what the future may hold for you. The best offset mortgage is created after creating a careful plan of action - and two heads are always better than one.

Also, an adviser can source the best offset mortgage, because they can search the entire UK mortgage market in an instant. There is no need for trawling through websites or the back of newspapers, and there is certainly no need to trudge up and down the high street vainly searching for the best offset mortgage. An adviser can use their specialised sourcing systems to find a deal that will suit you in a heartbeat, saving you time and effort. So with an adviser, the best offset mortgage is closer than you might think.

Most importantly, an adviser can find you the best offset mortgage from specialised lenders who do not offer mortgages straight to consumers. Offset mortgages, especially the best offset mortgage deals, are often created by specialised lenders who think their products need careful advice before and during their lives. So they only deal with advisers who have been proven to give the right advice. So if you want the best offset mortgage talk to an adviser today and arrange a consultation - if you don't, you could cost yourself a lot of time, effort and money.

*Independent financial services research company NMG, May 2008