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Help Needed!!! Which Mortgag to choose?

Options
Hi Guys,

Newbie here but a big fan of the site!!

:beer: :beer:

I'm about to move house and struggling to find a good mortgage deal through all on offer. Here's the facts,

Looking for a 3 or 5 year fixed mortgage
Looking to keep up front fees to a minimum (obviously)
Salaries of applicants 28k + 12k
Home Value - 146.5k
Deposit 5%
No loans or credit

I'm not a first time buyer.

Can anyone suggest a short list of good options that are out there? From my limited searches and knowledge I am leaning towards Allianace and Leicester.

Any thoughts?

Comments

  • Conrad
    Conrad Posts: 33,137 Forumite
    10,000 Posts Combo Breaker
    From memory A & L charge a HIGHER LENDING FEE whicj renders the deal as pretty poor value.

    Some lenders without HLF are; IF, Standard Life Bank, Northern Rock and C & G
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    Agreed on the Higher Lending Fee

    Have a look at the best deal with this fee and the best without, then you need to number crunch and work out which is best for you.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Cheers for the feedback, anyone know of any that appear to be particularly good value?
  • tomstickland
    tomstickland Posts: 19,538 Forumite
    10,000 Posts Combo Breaker
    Go and speak to some brokers. I visited a few and they had a look to see what sort of deals were available.
    Happy chappy
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