The mortgage sector has become much more complex in recent years with many new niche sectors appearing. It is no longer adequate just to prepare oneself for the average fixed rate or variable; despite the trauma of the financial crisis, specialist mortgages are cropping up - and demand for niche services such as bridging loans and  second charge mortgages is growing.

The savvy mortgage adviser will be aware that he or she needs to have the right tools to give the right advice and if they have little experience of the specialist sector, they may be in danger of getting it wrong.

One option is to go for the master broker - they have the specialist knowledge as well as IT systems and access to specialist loans that conventional mortgage advisers do not have. Here we set out the advantages of using one, and what they can bring to your business.