Which: £399 to check EVERY UK mortgage / Timothy Higgs

RFernandes

Re-Mortgaging, and a quick read's found:


Under "Mortgages Homes" "Cheap Mortgage Finding" "Best Buys" "£399 to check EVERY UK mortgage".


... has anybody had an experience with this service from Which?


Also, been recommended I try Timothy Higgs from London & Country Mortgages, person who recommended said he found the contact here, as a site recommendation, no joy finding it myself, anyone had any experience with him, or can point me in the direction of where he's been site recommended?


Cheers.

dunstonh

Which and L&C have two different business models.

Which is closer to any local IFA or independent mortgage broker. L&C is closer to any whole of market mortgage broker.

Do you want a factory line service or a hand hold service? (direct processes tend to be more suited for those that know what they want and what they are doing and just looking for best deals. Local firms can spend more time and explain things more as you can see them in their office or you home and can go at your pace. This allows for greater hand holding through the process).

RFernandes

Sorry for late thanks dunstonh.


Would probably want my hand held all the way, enough else to deal with already, saying that, thinking Timothy Higgs may not be the best option, London based I think, so wouldn't have the option of a face-meet. Maybe I need to be asking whether anyone's got any Birmingham based recommendations?

Bluebunny

We used L&C to get a veiw and also did a direct check to ensure that we had looked at all the deals we were eligible for - L&C are fee free and get their money from commission and so some lenders don't offer their products throught them. We worked out that we could get a better deal going direct, but the guy we spoke to has siad if we need anything clarifying he is happy for us to give him a call. They are very helpful! They are however handling our life assuance / critical illness cover and have been equally fantastic on this as well.

They are telephone / internet based and so don't ask for a face to face meeting, I suppose it is personal prefernce as to whether you want this or not, we weren't too worried by direct contact, and preferred to be able to handle things out of hours

Good luck on your search!

lentrix92

Bluebunny wrote: »

We used L&C to get a veiw and also did a direct check to ensure that we had looked at all the deals we were eligible for - L&C are fee free and get their money from commission and so some lenders don't offer their products throught them. We worked out that we could get a better deal going direct, but the guy we spoke to has siad if we need anything clarifying he is happy for us to give him a call. They are very helpful!

They are telephone / internet based and so don't ask for a face to face meeting, I suppose it is personal prefernce as to whether you want this or not, we weren't too worried by direct contact, and preferred to be able to handle things out of hours

Good luck on your search!

Likewise, they were helpful - but as we have a low LTV, we found a better deal direct.
Well worth a shout though.