Dont Be Put Off By Advice

payless

Toonfish... This year I have transacted 3 mortgages for people working at a large national brokerages ... ( and various insurances for those working at IFAs ) .. there are many reasons why people would not want to use employer.

Kenshaz ... I do wonder why you keep pasting all these little extracts - do they actually prove anything

posting extracts can sometimes give a misleading edge to an article - as just before the passage you decided to post, Martin states

There are many great local, small, fees-free, whole-of-market brokers in the UK. Find one in the phone book, give them a call, ask the questions and then go face to face, that way

.

and then later states

In the Chat Forum’s Mortgage Board some mortgage brokers voluntarily answer questions - it's an easy non-committal start option. Many are fees free whole of market mortgage brokers, so if they do help you, there is no reason not to process your mortgage via them (always ask them the questions first). However, as always the golden rule is do seek more than one opinion before deciding.

kenshaz

payless wrote:

Toonfish... This year I have transacted 3 mortgages for people working at a large national brokerages ... ( and various insurances for those working at IFAs ) .. there are many reasons why people would not want to use employer.

Kenshaz ... I do wonder why you keep pasting all these little extracts - do they actually prove anything

posting extracts can sometimes give a misleading edge to an article - as just before the passage you decided to post, Martin states

.

and then later states

I am sorry but I feel that it is unfair of you to criticise my post for providing link's to Martin's and responding to other posts by using extracts from articles relating to Martin's statements,I feel that sometimes brokers forget who owns this site.

AndrewSmith

kenshaz wrote:

The original poster has an opinion,very often other post's can shoot from the hip and dishearten individuals it is the nature of public forum's and once again follow Martin's advice and realise the nature of the discussion because that is what it is.Always confirm and verify pointers that you might receive,sending you in a direction without commitment.
I would also give note to those who have delusions of grandeur.

Cannot disagree with this however it is surely far better to give full picture to someone in a reply and explain how bad things could possibly be rather than to simply patronise the well read public by telling them that 'all will be ok'? As happens far too often the potential borrower will be told 'yes that is fine, you can get x%' only to be disappointed later when in fact it was clear that they may not qualify.

The best form of help available to posters is that which describes all the possibilities of a situation and offers the variuos explnations of the choices available. The OP should be very pleased that he does, in fact, qualify for an excellent product, however his chosen broker will be privvy to all the case details thus affording them the luxury of seeing all the information on which to base their recommendation.

Fact is that by nature of the environment there is no way that speific advice can be given in such an arena as a forum. It is merely a place where all consumers irrespective of their profession come to voice an opinion.

what I will say though is that there is a growing trend by some to single out individual posters and subject them to ridicule without actually taking the time to read and divulge the content of the threads.

It is this simple mis-understanding that can lead to acrimony on the forum which is actually counter productive for the board and those looking for genuine assistance using it.

@ Kenshaz: The majority of your arguments do present value to the respective thread and are Generally well balanced. Where you do fall down however is by simply cutting and pasting snippets of articles written by Martin which could cause mis-information as it could be taken out of context. Also you will find that the vast majority of posters asking for help will have already read such articles.

Ken this is not a critisism of you, merely an observation from one consumer to another. You will note by my recent lack of visibility on the forums that I am tired of all the childish sniping that seems far too commonplace these days and merely wish to offer my observation of how the minority of your posts may be interpreted. I ask that you extend me the courtesy of allowing me to state such opinion without accusation of ulterior motive.

Thank you

Noz

kenshaz wrote:

I am sorry but I feel that it is unfair of you to criticise my post for providing link's to Martin's and responding to other posts by using extracts from articles relating to Martin's statements,I feel that sometimes brokers forget who owns this site.

You missed the point kenshaz

payless

kenshaz wrote:

I am sorry but I feel that it is unfair of you to criticise my post for providing link's to Martin's and responding to other posts by using extracts from articles relating to Martin's statements,I feel that sometimes brokers forget who owns this site.

I wouldn't , if your links were relevant to the discussion ,and were not snipped in a way to give a different angle , -

kenshaz

AndrewSmith wrote:

Cannot disagree with this however it is surely far better to give full picture to someone in a reply and explain how bad things could possibly be rather than to simply patronise the well read public by telling them that 'all will be ok'?

Fact is that by nature of the environment there is no way that speific advice can be given in such an arena as a forum. It is merely a place where all consumers irrespective of their profession come to voice an opinion.

what I will say though is that there is a growing trend by some to single out individual posters and subject them to ridicule without actually taking the time to read and divulge the content of the threads.

It is this simple mis-understanding that can lead to acrimony on the forum which is actually counter productive for the board and those looking for genuine assistance using it.

I could not agree with you more.I stated in an earlier post which you have quoted,the formation of a clique which stifles communication,and singles out non-brokers.We must have open debate there is no value in a debate which comes from only one perspective
This forum is a talking shop and as such has no credence in the formation of financial decisions ,it is an indicator.
I therefore believe that those who sell mortgages should have no more credibility than any other poster.

payless

I therefore believe that those who sell mortgages should have no more credibility than any other poster.

I feel that sometimes brokers forget who owns this site

Is it the brokers who forget who owns the site?? Martin has encouraged brokers to post, and refer to them in his articles.

kenshaz

Noz wrote:

You missed the point kenshaz

I feel that we might have a communication problem.

nearlyrich

Going back to the OP's original point, this is a discussion board and as such should be treated as if it was a chat in the pub with the locals. If I walked into our local tonight I might get 20 opinions on a subject, some will be similar some poles apart but all worthy of consideration.

It's OK to ask for advice but in the end you have to make up your own mind, that's the value of the boards.

Noz

kenshaz wrote:

I feel that we might have a communication problem.

The royal we?