The Mortgage Market Review has exacerbated the problem, according to L&G’s adviser availability index, since advice became mandatory with every mortgage sale.

This, coupled with a rally in the housing market has led to an increased demand for advisers that some banks seem to be struggling to meet.

The research revealed that the situation is the same across the country, with banks in Manchester, Swindon, Ipswich and Bristol all struggling to offer the flexibility for weekend and evening appointments.

Jeremy Duncombe, director at Legal & General Mortgage Club (pictured) said full-time workers will struggle to make mid-week mortgage advice appointments but it’s important borrowers receive timely advice.

“As properties are in such high demand, and rates at record lows, many consumers are unwilling or unable to wait three weeks to see a bank adviser, especially if they are ultimately unable to help, forcing the borrower to start the process all over again with another lender,” he said.

He added: “A great option for borrowers who find themselves in this position, is to visit a mortgage broker instead. Broker not only have access to the whole market when it comes to assessing mortgage deals, but they often also have a greater flexibility of hours than banks, meaning that consumers will be able to cut down the waiting time when they’re ready to make an appointment.”