first time buyer needing a bit off help .

ginger_nuts

A guy in work is buying a flat with his partner .
The flat will be in one name only and cost £152,000 .

He is looking for a mortgage for around £136,000 .

He has been offered a mortgage from first trust bank (via a broker )
at 6.14 % ,which I think is to high a rate .

The broker has made 2 offers
1 seems to be the SVR ( which even the broker dosent recomend he takes )
2 may be a fixed ? but is £30 per month more .

He is from Poland and has no debts .
Is this the best rate for a FTB ?

MortgageMamma

Its not possible to say if this is the best mortgage he can get without knowing all of his circumstances

I think that this stage though your friend should be looking for second opinions from brokers who are whole of market - I suspect there will be a lot more option for him than the broker has led him to believe

herbiesjp

Being from Poland means that he is from the EU and should have the same rights mortgages as UK nationals

YOu do not say what his income is or if they have other debts, but many high street lenders could help your friend

Sounds like your friend should speak to another fee free whole of market adviser, to see what they can come up with