Mortgage Broker sought/recommended MEGATHREAD

[jenand8285 10]

Yeah, I heard that so a long time ago I applied for a credit card with full direct debit payment every month just to show on time payments :-)

 

I kept meaning to apply for a credit card solely to improve my credit rating but I never got around to it and now I think it is too late.

 

It might look bad on my credit file applying for a credit card so close to a mortgage. Plus it may be too late to make any difference now.

Edited May 2, 2013 by jenand8285

[Plain Talker 11]

Mod Note

 

Multiple threads, now merged with the existing megathread on Mortgage brokers.

 

Please use the search facility when starting a new thread.

[JamesBlacks 10]

I am in need of discussing some mortgage options with someone that specialises or has good knowledge of the Right To Buy scheme.

 

Any ideas?

[More4loans 10]

Mortgage Talk in Rotherham are pretty good and whole of market.

Edited May 3, 2013 by More4loans

[Danny_Boy 10]

People also need to be careful of using the comparison websites because when you give them all your details they actually do a credit search on you, now doing lots of these can have a negative effect on your credit score. A colleague of mine had a client looking to buy at 90% she had the mortgage agreed in principle and then went searching on one of the comparison websites, when she went back to apply for the 90% mortgage the maximum she could have was now 85% because of all the recent searches on her credit file.

 

As some people have already pointed out sometimes banks do offer better direct rates but when you actually get there you can't get the rate and if you can't get the mortgage you can actually end up missing out on the home you had found. Also it's worth noting that the lenders are now really backing the intermediary market, companies such as Accord, Abbey, Nationwide & Halifax offer exclusive products to certain brokers.

 

Find a broker you like and stick with them, that's my advice.

 

Regarding fee charging well I always say to my clients you get what you pay for.

Edited May 3, 2013 by Danny_Boy
Typo

[Danny_Boy 10]

I am in need of discussing some mortgage options with someone that specialises or has good knowledge of the Right To Buy scheme.

 

Any ideas?

 

I have done a few right to buy mortgages but I wouldn't say I am a specialist in this area but feel free to drop me a PM and I will try to find out or help. I work for one of the largest brokers in the country with over 600 advisors (part of Mortgage Talk as mentioned above) so I am sure I will be able to find the answers you need.

[ellabbs 10]

i have just used Which mortgage advisory service, they do it free unless you use them to sort the mortgage out, and then they charge you 100 pounds.

 

i used them because,well its which? that run it and i trust they have the consumers interest at heart and know their stuff..

 

google which mortgage advisers and call them for a chat.. its free.

 

thanks

 

andy

[More4loans 10]

Which Mortgage Advisers charge a £199 up front fee (not all whole of market advisers do) and if you prefer them not to receive a commission from the lender on completion, they will charge you a 0.5% fee.

[Margarita Ma 10]

Why not just go straight to your bank and see what they can offer.

 

Thank you Plain Talker.

Edited May 3, 2013 by Margarita Ma
repeating herself

[Plain Talker 11]

Mod Note

 

Once again, threads merged.

 

Please use the search facility before starting a new thread.

thanks

[topbuilder 10]

hi, can anyone recommend a reliable mortgage adviser, THAT CAN BE BOTHERD, ! fed up of pretenders.

[Arrr Sez I 10]

hi, can anyone recommend a reliable mortgage adviser, THAT CAN BE BOTHERD, ! fed up of pretenders.

 

What do you mean, fed up of pretenders? Are you saying there are people pretending to be mortgage advisers? How strange.