Can someone help me identify which lender this is?

homer_j_3

By the time you have found it, it will probably have been pulled.

This is exactly why I charge a refundable research fee!

I think you are looking at the moneysaving aspect from the wrong angle here - think about saving money in terms of time having to do the process yourself. What do you get paid per hour and then multiply that by the number of hours you have spent wasting time shopping around and then trying to find the product.

The fact is that you should only need to go to one broker if they have access to every broker based mortgage lender. Shopping around in my experience only ever leads to confusion for the client.

Good luck in your search and hope you find a good deal.

allan673

check out first direct 5.25%, 5 year fix, brokers cant get this !

homer_j_3

you are right we can't and its a great rate and I have actually have told a few clients to go and look there and see if they can get approved.

Problem could be LTV, tight income multiples/affordability calc/ Credit score may be hard to pass. Worth a try though if you can get on it.

5 yr fix is now 5.29%

Dan_Collins_2

5yr with directline is now 5.95% they have increased all rates. We cant get it but we can beat it.

We are seeing rates increasing, 3 or 4 ranges have been pulled this week already, so if you see a deal go for it.

chappers

homer_j wrote: »

By the time you have found it, it will probably have been pulled.

Exactly just take the abbey deal it's the same rate and £500 quid cheaper on the arrangement fee than your deal

dizzie

If I was looking to remortgage myself and didn't want to go through a broker, I would start by looking at sites like moneysupermarket or Motley Fool. But make sure that you know what you are comparing (i.e. the features of the product - Is it flexible? Is it portable? Can you make overpayments? Are there early redemption fees? What do all of the initial fees add up to?)

E.g. Principality Building Society has a 5 year fixed deal at 5.19% which looks competitive, but there are early repayment charges within the fixed rate term.

herbiesjp

dizzie wrote: »

E.g. Principality Building Society has a 5 year fixed deal at 5.19% which looks competitive, but there are early repayment charges within the fixed rate term.

Most fixed rates will have early repayment charges within the fixed rate term though

MBM

Dizzie, is you use Motley Fool you will be using L&C. Motly Fool now get paid for every introduction whether it be mortgage, life cover, credit card. They now seem to be "the wise!!" as they put it.

dizzie

herbiesjp wrote: »

Most fixed rates will have early repayment charges within the fixed rate term though

True. I guess what I meant was that some charge a higher penalty than others, or one that is on a sliding scale depending on how long you've had the mortgage with them.

dizzie

MBM wrote: »

Dizzie, is you use Motley Fool you will be using L&C. Motly Fool now get paid for every introduction whether it be mortgage, life cover, credit card. They now seem to be "the wise!!" as they put it.

:doh: Sorry - didn't really understand all of that. Can't you just look on their "best buy" tables and then go directly to the website of the building society/bank to find out more if you see a product that looks interesting?