Leek BS Mortgage, going alone.

davemorton

I will be looking to put an offer in on a house next week after just completing on my sale and moving into rented. Using the tables on here, Leek look like the best product for what I want (no get out, set up or over payment fee's and low interest rate).

I did my last mortgage myself with Nationwide no problems, and believe myself to be quite a simple application (no debt, had credit with no missed payments, 40% LTV).

What are people recent experience with them, are they okay to work with please.
Also, when should I be applying for a DIP, now, or when I have put the offer in and it has been accepted? (hopfully it is).

Many thanks for any replies.

davemorton

No one gone to them independently recently?

middleclassbutpoor

Have a look through this

https://www.leekunited.co.uk/intermediaries/residential-lending-guide/

Check affordability - LTV borrowing amounts etc and if it all looks inline with what they will accept - go and get an offer accepted. If the product is available still at that time, then do the DIP at that stage.

Would always recommend using a broker as often they can ensure that a lender is the best fit for a person - also they may have access to rates you cannot.