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Help please
billybear1
Posts: 427 Forumite
Hi there,
As discussed earlier I have some adverse (pretty serious) credit in the past. I thought I would not be able to get anywhere with a mortgage other than GE as my last whole of the market broker stated thats the best they could do.
I have however gone to William H Brown and their in house broker who uses a panel and they want them to try. I thought there is no harm if they can access something they have confidence in. They have come back with Halifax and apparently have an AIP with them.
My concern is
1. How on earth will halifax touch me, he keeps saying they will lend up to £140,00 but the valuation fee is £240 up front.
2. There is a "lifetime" advisor charge which is payable on application. I am worried that if I pay this lifetime fee, because they use a panel they will be unable to source me a mortgage. I think this is £350!
What do I do?
As discussed earlier I have some adverse (pretty serious) credit in the past. I thought I would not be able to get anywhere with a mortgage other than GE as my last whole of the market broker stated thats the best they could do.
I have however gone to William H Brown and their in house broker who uses a panel and they want them to try. I thought there is no harm if they can access something they have confidence in. They have come back with Halifax and apparently have an AIP with them.
My concern is
1. How on earth will halifax touch me, he keeps saying they will lend up to £140,00 but the valuation fee is £240 up front.
2. There is a "lifetime" advisor charge which is payable on application. I am worried that if I pay this lifetime fee, because they use a panel they will be unable to source me a mortgage. I think this is £350!
What do I do?
0
Comments
-
GULP!
He hasn't got back to me, I guess saying I would only want to pay fee on completion has scared him off!0
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