advise needed

mnbvmnbv

i've put in an offer thats been accepted. now the fun starts with trying to find the best mortgage for me. im buying on my own (38), already own a house paid for in cash, can put down 12% deposit and in full time employment (in manchester). ive read the guides on here but with 15 pages of replies i feel a bit puzzled.

i've been told that i should go for a 2 year fixed rate. i'm unsure about whether to go to a few high street banks/building societies or use the estate agent's financial adviser who are not whole of market and charge a fee. i don't really want to spend weeks trawling through figures and comparisons and wondered if there are any general tips anyone can give so i don't end up signing for something really restrictive in future (freedom to negotiate rates after a few years). thanks for any help.

AndrewSmith

The best tip I can give you is do not feel that you are obligated to use the Estate Agents broker.

If he/she is not whole of market and charges a fee then you are possibly not getting the best available options offered to you.

I do not think you should pay a fee for mortgage advice especially if the individual giving the advice cannot offer you true whole of market information.

Chose a different mortgage broker.

Mr_helpful

Use an independent or whole of market broker who has a no broker fees option. plenty on google