iv looked at rates on different site etc,
will i get a better deal by going into banks or by finding a mortage advisor??:help:

simplicity finance , thats who I use and I buy and sell houses , find them to be very switched on , don't have their number to hand ,but you'll find it on the net easy enough.

acll my bro in law.
david blunden 0114 2369003

Samantha Jameson
07813322304
01142901628
ive just used her to re mortgage and shes great.

this one from halifax is the best iv found so far on net
a 3 yr fixed step mortgage.with a £999 fee


http://www.halifax.co.uk/mortgages/3yrSteppedFixed.asp

I have used Gregory Gray for years. He deals with all my financial stuff and is based in the Woodsears office of Waverley Insurance. He takes the time to explain stuff clearly and is contactable. PM me if you want his details.

thanks still looking online at the mo:)

My husband is a mortgage advisor.
Simon - 07834907271

well if you go into banks/building society they will try to sell you all there stuff (buildings and content insurance ect) and proberly try to get you to take the mortgage out with them, because if you go into halifax there not going to tell you that hsbc have got lower intrest rates. i would use an independant mortgage advisor everytime.

We're half way through buying a house now (mortgage has been approved but nothing's been finalised yet) and we went to Mortgage Talk at Blundells at Crystal Peaks.
Our mortgage advisor is Sue Pope and she's actually won Mortgage Advisor of the Year - if that's not a good advertisment to go through her I don't know what is!

Mortgage Talk are really really good though, they're constantly phoning to let us know how things are progressing and all the advisors are very keen to help you with whatever problem might come up, and they got us the best deal we could have.

And as other people have said; DO NOT go direct to a bank!!! It's just daft.


Edit - and Mortgage Talk won't charge even half of that £999 you mentioned!

My husband is a mortgage advisor.
Simon - 07834907271

Should probably have said he is 'whole of market' and not tied to any particular lenders therefore can find the best deals around.

Don't go with any advisor that asks you to pay a fee. They get plenty from the Mortgage provider as commission.

We spoke with Mortgage Talk face to face and to be honest I did not trust them. I mentioned that I would check against a couple of organisations (HSBC being a big one) I knew didn't pay commission and therefore wouldn't appear in their "All of market" list to make sure their best offer was the best. The advisor brought up the HSBC website and showed us what he said was the deal we would be offered by HSBC (Discount rate variable) to show us it wasn't as good a rate as the one he was trying to get us to sign up to.

I went home and immediately found a superior deal to the one he was trying to get us to sign up for...on the HSBC site! He'd deliberately tried to deceive us by not showing us the best deal HSBC were offering. Needless to say we have since dealt direct with HSBC and had no problems.

spoke to a couple of people and most are wanitng a fee,
so iv been looking at the banks rates online at some 5 year deals.
found direct line at 5.29%
giraffe at 5.24%

Check out comparison websites such as moneysupermarket and MSN alongside other research. Moneysavingexpert will also let you know which lenders don't go through brokers as some only offer direct deals.

I sorted mine a few months back and Giraffe were coming up with one of the best deals. I also trawled through lots of Building Society websites looking for deals. It depends what deposit you've got and how many times your income you're looking to borrow. Most smaller building societies limit you to 2.5-3 times income with a minimum 10% deposit (which ruled us out as we needed more times our income)

I also found a site that were offering cashback on completion of the mortgage the month I applied (unfortunately they're not anymore but some others may). Mortgage advisers don't offer this.

If you're also looking at sourcing mortgage insurance I'd highly recommend Cavendish online. You pay £35 and they source the best deal for you. You can search for the deal and get a quote through their website before deciding whether to go ahead and pay them. They were loads cheaper than anyone else as they've agreed not to take commission from the company. Most mortgage advisers make their money through selling this insurance and can make £2000 out of one deal so may not offer the best deal for you as they want to make money (this happened to us!)

still looking for a mortgage deal,anybody just done there's?

Pace Insurance Services on Ridgeway Road are brilliant.2397777 ask for Richard or Paul.

still looking for a mortgage deal,anybody just done there's?

Contact the above,they will sort you out with a good deal.

I went direct into my bank yesterday and got a really good rate at 5.39%. I have shopped around and the next cheapest i could find was around 5.89%

I went direct into my bank yesterday and got a really good rate at 5.39%. I have shopped around and the next cheapest i could find was around 5.89%

Depends on type of mortgage etc...
Alot of companies are now offering fixed rate to say 2011 or 2013 to tie you to them.If you jack your mortgage in before this date you would pay 2 or 3%of the loan as a penalty.An interest only can save you say £150 a month on a £100,000 mortgage,opposed to a repayment one.Also arrangment fees vary,can be £0,£500,£995 or as much as £2000+

I went direct into my bank yesterday and got a really good rate at 5.39%. I have shopped around and the next cheapest i could find was around 5.89%

thats the lowest iv found 5.39%for 5 yrs with hsbc

still looking for a good mortgage deal:)

You must go to an independant financial advisor who is registered with the FSA. I can recommend the guy I have used for my past couple of house purchases if you PM me. I have used him for the last 5 years and he always gets you a good deal and is not pushy.

Do not use anyone attached to your estate agent ie mortgage talk or bank as they are not independant.

The financial advisor has to advise you by law how much comission they will make from selling you the mortgage.

still looking for a good mortgage deal,
or an advisor :)

Whereabouts are you?

If you can get to Hillsborough, there is a new Independant mortgage advice place on Hillsborough corner called Alexandra associates, you want Mark Threlfall and can get him on 0114 321 7777

He searches the whole market based on your income and size of deposit, hes very friendly and up front. Again being independany he isn't tied to a specific bank/lender.

He even put me in touch with a debt management company who have sorted me a better offer than the one im on now.

I had to take my son when i went for my appointment and he got pictures printed off the internet and given pens to colour them in with as well! (i got a brew)

so a good all rounder-give him a go.

Good luck

still looking for a good mortgage deal,
or an advisor :)

Why are you still looking for an advisor? People have recommended plenty to you. Have you tried any/all of them?

And, on the mortgage front, why are you still looking? Are you hoping that rates will come down, not been given any quotes, or what?

Not sure what you're hoping we'll provide for you, tbh, over and above what people have already suggested for you! :)

Why are you still looking for an advisor? People have recommended plenty to you. Have you tried any/all of them?

And, on the mortgage front, why are you still looking? Are you hoping that rates will come down, not been given any quotes, or what?

Not sure what you're hoping we'll provide for you, tbh, over and above what people have already suggested for you! :)

hi yes iv rang 3 mentioned in this thread,1 didnt ring me back,the other was way to expensive and the 3rd was very good,just couldnt find a deal for us at the moment.

been advised to keep looking for a good deal or wait for rates to fall,:)

Whereabouts are you?

If you can get to Hillsborough, there is a new Independant mortgage advice place on Hillsborough corner called Alexandra associates, you want Mark Threlfall and can get him on 0114 321 7777

He searches the whole market based on your income and size of deposit, hes very friendly and up front. Again being independany he isn't tied to a specific bank/lender.

He even put me in touch with a debt management company who have sorted me a better offer than the one im on now.

I had to take my son when i went for my appointment and he got pictures printed off the internet and given pens to colour them in with as well! (i got a brew)

so a good all rounder-give him a go.

Good luck

rang them and spoke to them, really good,just couldnt find us a good deal at the moment,thankyou anyway:)

rang them and spoke to them, really good,just couldnt find us a good deal at the moment,thankyou anyway:)

There are no good deals at the minute:confused:

There are no good deals at the minute:confused:

tell me about it:(

hi yes iv rang 3 mentioned in this thread,1 didnt ring me back,the other was way to expensive and the 3rd was very good,just couldnt find a deal for us at the moment.

been advised to keep looking for a good deal or wait for rates to fall,:)

What do you class as too expensive?

What do you class as too expensive?

my repayments and interest rate,pmsl:hihi:

my repayments and interest rate,pmsl:hihi:Ah gotcha. Thought you were on about there advisor fees.

in all honesty I cannot see interest rates falling for at least another 12 months. I think we're borderline going into a recession like over in the states. My opinion would be to take the best deal you can now. I'm a mortgage advisor and several of my customers have lost out on deals because they didn;t want to make a decision that day only to find out that the next day rates had shot up - this has happened several times over the last couple of months, despite the boe rate reducing. Banks cannot pass this saving on to customers as the libor rate is still high.