What to expect from my mortgage broker?

betmunch

I would agree, very important stuff.

All stuff that would cause a delay if they need rectifying

amnblog

MissBizzita wrote: »

Yeah, all of the negative reviews I've come across tell the same story! Great until full application, then pretty rubbish!

Yet still recommended on MSE.

betmunch

amnblog wrote: »

Yet still recommended on MSE.

Thats the strangest thing.....

Although to be fair its not Good Service Expert, or even Adiquate Service Expert is it!

amnblog

I hope the arrangement is not tainted by cash!

MissBizzita

Only fair to provide a balanced view, so I've spoken to my broker finally.

We had a very good chat and he's reassured me about a number of things. I think they're aware of quite how stressed I am about the whole thing and I certainly feel a lot more positive now that I've had the discussion with them.

Watch this space!

Let_Us_See

Give your adviser a break. They are probably trying to process a caseload of about 30 mortgages, and you are simply receiving the level of service associated with a fee free adviser.

RajFanda

Q...My Mortgage is with underwriter at halifax now, Mortgage Advisor ask for tax review for last 3 years saying Underwirter ask them,i have submited them next days he said they asking for Bankstatment and tax return for 2015 where deadline to submit them is Jan 2016. I am doubting how come Underwriters ask everyday few things, which i already submited....Do i contact them directly ..i dont have any contact detail as MA said he only can follow as its threw him....and asking to wait its 2 weeks now...ANY ADVISE ....pls

amnblog

Advice is to provide everything requested, as requested, if you want the Lender's money.

January is the final deadline to submit your self assessment return electronically. You can submit the 2015 return from 6.4.15.

If the Lender says they need three years figures and you only have 2013 and 2014, you need to get 2015 finalised.

PixelPound

Provide what they ask, but not more. If you don't give what they ask for, you won't get the mortgage. If you provide more (e.g trying to pre-empt what they may want), they will have to look at it and so could take longer to come to a decision.

always_sunny

andyfromotley wrote: »

Is there an element of you get what you pay for here?

A fee free broker it seems obvious to me will provide less of a service than a paid broker, (just as a cheaper broker will offer less of a service than a really expensive one?)

out of curiosity - are the broker fee refunded if not successful? Or they wouldn't take you on unless they were somewhat certain to get the mortgage?