should I use Financial Advisor

Mr_E_Man_2

AverageJoe wrote: »

What do I do? A sports instructor. People come to me if they wanna improve their overall fitness and sporting ability. I specialise in tennis (was a semi pro for a number of years) but I mainly get clients that wanna work out for fitness reasons generally.

AJ

You can't be very good. When did we last produce a half decent tennis player.

Get a proper job and stop having a go at financial advisers who do something worth while rather than giving people impossible dreams.

Next you'll be saying you're an Image Consultant :rotfl: Pathetic

lilychip

Hi there,

Thanks for all the really useful advice. Just wanted to post that I've now fixed a 5 year fixed with Alliance and Leicester at 3.99%. There was no arrangement fee to pay, no legal fees just had to open up a bank account with them and pay in at least £500 a month.

I did contant HSBC but they would not let you add arrangement fee to mortgage and anyway I'm really pleased now that I did not go with them as it would have cost me another 1K arrangement fee.

Thanks again to everyone, it just shows that you really need to check out the FA's quotes. I also thought I'd post at this deal maybe good for someone else.

Happy mortgage hunting!
Lilychip:j

dunstonh

Thanks again to everyone, it just shows that you really need to check out the FA's quotes. I also thought I'd post at this deal maybe good for someone else.

Well done. Just remember next time to use an independent for information. Not an insurance company sales rep.

payless

The deal is question is a direct only product, so only brokers who guarantee to include direct deals in their research would have come up with it ... which of course makes an interesting point ... as those using the " cashback sites" would actually end up with a little bit of cashback but an inferior deal.. whereas those doing own research OR getting a " true WOM " adviser ( likely for a small fee) would gety a better deal

clairehi

lilychip wrote: »

Hi there,

Thanks for all the really useful advice. Just wanted to post that I've now fixed a 5 year fixed with Alliance and Leicester at 3.99%. There was no arrangement fee to pay, no legal fees just had to open up a bank account with them and pay in at least £500 a month.

I did contant HSBC but they would not let you add arrangement fee to mortgage and anyway I'm really pleased now that I did not go with them as it would have cost me another 1K arrangement fee.

Thanks again to everyone, it just shows that you really need to check out the FA's quotes. I also thought I'd post at this deal maybe good for someone else.

Happy mortgage hunting!
Lilychip:j

Nice one Lily, glad it worked out for you. it sounds like you've found out a lot along the way and the experience will hopefully be helpful next time you need a new mortgage.

A lot of the good deals are available direct from the lender (whatever the rights and wrongs of that are, its a fact) and personally I have found it much less stressful and a lot quicker to just take control of the process and deal direct myself.