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First time buyer

So me and my partner are looking to buy our first house in move in together. We're looking for a bit of advice as to weather to go to a bank and do it direct or a broker. Possibly L & C. Ive seen one mortage i like the look of. 5 year fixed with Barclays with 2.75% intrest rate and £35 fees this was via comparison website. Although when ive gone direct to barclays website i dont see this deal. So i suppose my point is if i went direct would they give me that?
If anyone has any tips for first time buyers please post your comments. Apologise if this is a stupid thread and a million of these already. Just new here. :) 
Nationwide FTB 90%LTV
Full applications 26/08
Valuation booked 26/08 
Hard Search (equifax & Transunion) 04/09
Valuation completed 8/9 
Valuation approved 30/9 
More documents requested 30/9 
Mortgage offer 16/10

Comments

  • JustJane101
    JustJane101 Posts: 145 Forumite
    100 Posts Name Dropper
    I'm in the process of waiting for a mortgage application to be accepted/ declined through a broker. I am a massive stresshead, but I wouldn't have got this far without them. I wouldn't have been able to even find a deal that fits my situation, let alone get this far without the broker. In my opinion, their fees pay themselves in savings. A good mortgage broker will take a look at your credit files, affordability etc and will find you the best deals that you are eligable for. They also know the criteria for each mortgage that isn't necessarily on the websites!
  • amnblog
    amnblog Posts: 12,764 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 8 March 2020 at 2:54PM
    Barclays do not currently have a 5 year fixed at 2.75%.

    They have a 2.57% with cashback, but that is for newly built property only.

    Suggest you use a good Broker as comparison sites give you no advice or guarantees.
    I am a Mortgage Broker

    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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