Quickest and Easiest

ACG

Do people expect brokers to be in suits (cheap or not)?

plunt

I would hope so. But that's just my preference. Then again I work in a formal office all day. Reckon those who don't may not. All depends on the client market you are aiming for

amnblog

plunt wrote: »

check out the Halifax thread as many people including myself have had an extremely good and fast experience with then recently.

that being said a broker will be able to help you massively in targeting the best fit mortgage for you.

I personally dont like the idea of paying for a broker (and also sadly like looking around and building my own personal excel file to figure out the best mortgage for my circumstance!)

Don't forget to add the 48 criteria filter fields that may go some way to working out which lenders might lend to you.

gardencity

Ok, I think the suit thing has gone a bit far. It was a turn of phrase. The "chap in the cheap suit" doesn't exude confidence that he knows what he is doing - I am sure that you understand what I mean. (Just awaiting someone now to complain that you shouldn't judge someone by appearances).

Well done amnblog for highlighting my contradiction earlier :T I thought it was obvious when I started with "Having said that..."

Any thoughts on the salary sacrifice car or is that too technical a question. (Exactly the sort of question that my prejudice of the "chap in the cheap suit" relates to")

Mortgage_Mark_2

gardencity wrote: »

Ok, I think the suit thing has gone a bit far. It was a turn of phrase. The "chap in the cheap suit" doesn't exude confidence that he knows what he is doing - I am sure that you understand what I mean. (Just awaiting someone now to complain that you shouldn't judge someone by appearances).

Well done amnblog for highlighting my contradiction earlier :T I thought it was obvious when I started with "Having said that..."

Any thoughts on the salary sacrifice car or is that too technical a question. (Exactly the sort of question that my prejudice of the "chap in the cheap suit" relates to")

See post 5...

gardencity

I think your post 5 is very valid and I will look to do this. I am sure that this has been asked before, but where would you recommend looking for a reputable advisor? Is there a trade body with listings, or a good website with reviews? Don't really want to select one at random from the yellow pages (does the yellow pages still exist?)

ACG

unbiased.co.uk (selecting unsponsored)
Or google, just have a chat with them and see how comfortable you are with them.

Thrugelmir

kingstreet wrote: »

Shirt, trousers, shoes normally. Plus me old rusty Saab.

In other circles that would be called deception.

Thrugelmir

gardencity wrote: »

In terms of easiest, which providers are going to ask for the minimum of bank statements etc. My finances have improved recently, but I don't really want to have to go through old statements etc if I can avoid it.

With regulators now crawling all over financial institutions times have changed. Simply not worth the bother not to. Don't expect to be lent thousands of £'s without full checks being made.

kingstreet

Thrugelmir wrote: »

In other circles that would be called deception.

A 1999 GM-variant 9-5 with 168,500 on the clock, based on a Vectra B floorpan and you think I'm mis-representing the situation?

Strewth. Saab were great at pulling the wool over GM management's eyes, but they weren't THAT good.

Our other car is a X reg 2000 Mercedes A160 with 100k on the clock.