Tier 1 Visa + Mortgage application

handytips

Me defensive. Now why dont you pop off and get your Free copy of the Metro, Oh and by the way to advertise in that publication, well that costs money.
In answer to your question. Different lenders in this country have differing criteria's within their lending policies, no one lender is the same as the other, this is where the expertise of a good broker comes into play, for eg HSBC like to advertise they have the very best rates on the market, that may be, but can you get a mortgage approved by them, just ask the 3 out of 5 that dont, plus lenders do not have to tell you or me why they decline a case, brokering isnt the easiest of jobs, and on the whole Palmist i suspect you think that we earn mega money, well sorry to dissappoint you but most of us dont, dont get me wrong i earn a good living, i have many many happy clients who trust my judgement to get them the best deal available to them, i think the word Trust is something that may be missing from your dictionary. Lots of people put their trust in brokers along with doctors, policemen, teachers etc and believe it or not it is the people of this country who pay them via taxes. Therefore if you want my services then you have a simple choice. To pay or Not to pay. But to comment on things that you clearly do not understand is also very derisory and shows you up as a bit of a !!!!!!!!!!. Goodbye

Wh05apk

The_Palmist wrote: »

I would find the best deal I could on my own, then I would ask you if you could beat that deal. If you could, then I will be more than happy to pay you. It's simple economics, leave kids out of it.

Next you will want me to stop all the DIY I do at home so handymen can continue feeding their kids.

You seem obsessed with "paying" if you are using a fee free broker what are you paying?

If you want to spend time trawling the internet and contacting lenders for the best deal and checking criteria then please feel free. Then you can spend your own time and expense copying, posting and submitting your app, then you can spend your time chasing lenders for them to do something with it.

kingstreet

Frankly, I was more peed off at being accused of touting. :mad:

Wh05apk

kingstreet wrote: »

Frankly, I was more peed off at being accused of touting. :mad:

It's funny having just re-read this thread, I noticed that Plamist wrote:

"Exact same situation except mine is sole application. HSBC said no after agreeing with everything else.

Nationwide say they need more than 24 months stay remaining.

Halifax are happy to proceed with 12 months or more remaining. Currently in progress with Halifax."

He also voted up the post about touting, seems to me, had he contacted a broker, he would have known not to waste his time with HSBC, and probably gone straight to Halifax/Nat west.

P.S. is a palmist anything to do with handjobs?!

The_Palmist

handytips wrote: »

Me defensive. Now why dont you pop off and get your Free copy of the Metro, Oh and by the way to advertise in that publication, well that costs money.
In answer to your question. Different lenders in this country have differing criteria's within their lending policies, no one lender is the same as the other, this is where the expertise of a good broker comes into play, for eg HSBC like to advertise they have the very best rates on the market, that may be, but can you get a mortgage approved by them, just ask the 3 out of 5 that dont, plus lenders do not have to tell you or me why they decline a case, brokering isnt the easiest of jobs, and on the whole Palmist i suspect you think that we earn mega money, well sorry to dissappoint you but most of us dont, dont get me wrong i earn a good living, i have many many happy clients who trust my judgement to get them the best deal available to them, i think the word Trust is something that may be missing from your dictionary. Lots of people put their trust in brokers along with doctors, policemen, teachers etc and believe it or not it is the people of this country who pay them via taxes. Therefore if you want my services then you have a simple choice. To pay or Not to pay. But to comment on things that you clearly do not understand is also very derisory and shows you up as a bit of a !!!!!!!!!!. Goodbye

Bit arrogant but some useful stuff in your comment. As said before, I am just trying to understand the market use of brokers. I am not saying you are one of them but there are a lot of "rogue traders".

The_Palmist

Wh05apk wrote: »

You seem obsessed with "paying" if you are using a fee free broker what are you paying?

If you want to spend time trawling the internet and contacting lenders for the best deal and checking criteria then please feel free. Then you can spend your own time and expense copying, posting and submitting your app, then you can spend your time chasing lenders for them to do something with it.

That's the whole point of these forums, why would I search for information here and then blindly pay someone to do [in your words]

"copying, posting and submitting your app". It's certainly not that big a deal as you are making it to be. Chasing lenders is another issue and I would be happy to pay you to chase lenders if you have access to some special phone numbers which is not available to mere mortals.

Don't know much about fee free brokers, you could have explained it without the attitude.

The_Palmist

Wh05apk wrote: »

It's funny having just re-read this thread, I noticed that Plamist wrote:

"Exact same situation except mine is sole application. HSBC said no after agreeing with everything else.

Nationwide say they need more than 24 months stay remaining.

Halifax are happy to proceed with 12 months or more remaining. Currently in progress with Halifax."

He also voted up the post about touting, seems to me, had he contacted a broker, he would have known not to waste his time with HSBC, and probably gone straight to Halifax/Nat west.

P.S. is a palmist anything to do with handjobs?!

Some of the stuff you coming up with is just immature and unprofessional. I hope such attitude is not common place in your trade. As you read, I was able to find out relevant information with a few quick phone calls. It would have taken me a lot longer to find a reputable broker.

The_Palmist

Just to clarify to all brokers reading this, I have nothing against honest, reputable, ethically sound professionals. If I need specialist knowledge, I will be more than happy to pay for your services but I do not see any harm in doing the basic stuff myself.

handytips

Perhaps you should phone 'Rogue Traders' at the BBC ?
I dont know who you are or what you are, would i do business for you...probably but to be called a tradesman is also arrogant on your behalf, and a bit of a newsflash for you. No there are not many rogue brokers left they have all but disappeared now, thakfully, you do not come across as a very trusting person and you also come across as someone who is happy with their own advice and judgements, sorry but i cannot wish you any luck at all

kingstreet

Wh05apk wrote: »

He also voted up the post about touting

So did Conrad! What's that about then, Conrad?