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"I have to admit I didn't really know where to start when it came to finding the right mortgage. I'd heard of fixed rates and base rate trackers and so on, but didn't really know exactly how they worked or which mortgage would be right for me. It was really good to be able to talk to an adviser honestly and ask all the questions that I was a bit embarrassed about asking – what's a 95% mortgage? What does Loan to Value mean? Do I need to take out home insurance? Life insurance? Mortgage payment protection?"