Remortgaging a concrete built flat - my broker can't help

Mod_3

Hi

Hope someone can help. I'm looking to remortage my flat and went to Charcoal for some advice but they lost interest when I told them my flat, which is in a Grade 2 listed block built in the 1930s, is built of concrete and they recommended I stay with current mortgage provider (Barclays/Woolwich) but I'm not getting a great deal with them and until Charocoal heard about the concrete, it looked like I was going to save lots of money.

Is it worth my while approaching another broker or am I going to hear the same thing from them all? Are there any specialist mortgage providers who might be able to help?

All advice gratefully received!

Mod

payless

have you asked woolwich what they will offer you.. me thinks the savings Charcol offered were comparing against current or SVR not whaqt you could get in house - any decent broker should look ( or ask you to obtain) the "renewal " deals on offer anyway

MortgagesInc

Woolwich are normally very competitive with their retention deals - I'm surprised Charcol didn't offer to help you with them, as they would get paid a fee on them too!!

Mod_3

payless wrote: »

have you asked woolwich what they will offer you.. me thinks the savings Charcol offered were comparing against current or SVR not whaqt you could get in house - any decent broker should look ( or ask you to obtain) the "renewal " deals on offer anyway

Not spoken with Woolwich since I went to Charcoal, but I'd gone to Charcoal in the first place as the deal Woolwich were offering wasn't a good one. Do you think it's worth going back and threatening to swithc mortgages? If they know they're the only ones who will give me a mortgage 'cos of the concrete build, I'm not sure if this will work. Can you suggest any tactics?

What's a SVR?

My broker just said to go back to Woolwich - not sure if he was trying to be helpful by letting me sort it out without his fees, or if he was just being useless

Has anyone else had this problem with their mortgage?