3 weeks to see mortgage advisor,can it be done sooner?

Deb19742004

Awk sorry to hear that! hindsight is a wonderful thing! Sure you will know for the next house that comes along. Bid away and then get your mortgage sorted out. While its goin on contact an IFA and see what the best deals are. :beer:

Francophile

The IFA we're been dealing with s mentioned above has told us not to rush into anything as he reckons houses prices ahve a way to drop yet so maybe the ea did you a favour. Maybe you'll get a better deal and you'll look back and thank them.

leftieM

Deb19742004 wrote: »

Bid away and then get your mortgage sorted out.

Toto, I don't think we're in Credit Bubble any more.......

You can no longer bid away with nothing to back it up. Vendors want to see finance in place. A bid without finance to back it up isn't worth the paper it's written on.

thriftyminx13

Yeah its best to have finance in place. did you try bank of ireland. thats who my friend went with (I am nearly sure) and she got a 95% 3 year fixed deal and seemed happy. I got my re-mortgage with the northern and I have to say I'm very happy with them as they suggested last summer a base rate tracker.

did you try other banks. i do know from when i worked at the northern a long time ago that they have dedicated staff who are fully trained in mortgages and that the ulster bank down the road trained loads of people and they never really "knew" what they were talking about it was all sales sales sales. not sure if thats still the case......maybe that might explain why northern is taking longer if they only have a few staff specialising.

or alternatively it might be a good sign that the housing market is plateauing. I can't understand why the northern don't have any other time if you are willing to travel. have you asked to speak to the manager or rang another branch yourself. sometimes a mortgage guy might cover an area so it might be worth ringing another part of the country directly.

or can they over the phone do it and give you some form of mortgage in principle based on a telephone interview? not sure what the FSA says on it...