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Mortgage Brokers

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  • RiversTam
    RiversTam Posts: 65 Forumite
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    kingstreet wrote: »
    You used a broker and had to actually go to them? :eek:

    Yes, only because my husband likes to meet people in the flesh and give them his documents is person - I had the MIP and everything else done via email with the odd phone call. Much easier and quicker!
    You can do it all via email if you aren't married to a dinosaur 😂
    The trouble with having an open mind, of course, is that people will insist on coming along and trying to put things in it.
  • kingstreet
    kingstreet Posts: 38,767 Forumite
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    RiversTam wrote: »
    Yes, only because my husband likes to meet people in the flesh and give them his documents is person - I had the MIP and everything else done via email with the odd phone call. Much easier and quicker!
    You can do it all via email if you aren't married to a dinosaur 😂
    We meet with our clients at a time and location convenient to them.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, 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. Please do not send PMs asking for one-to-one-advice, or representation.
  • ACG
    ACG Posts: 23,727 Forumite
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    Call up a one or 2 and see how you get on with them.
    I often get calls from people whos first sentence is along the lines of "I do not have a clue how this works, but I am looking for a Mortgage..."

    IT tends to just go from there.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, 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.
  • RiversTam
    RiversTam Posts: 65 Forumite
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    kingstreet wrote: »
    We meet with our clients at a time and location convenient to them.


    They have an office local to us - I would never have someone at my home, it means cleaning up 🙈
    We have also hired a local recommended solicitor so we can take our documents in personally - read "we" as "husband" 😂

    ACG wrote: »
    Call up a one or 2 and see how you get on with them.
    I often get calls from people whos first sentence is along the lines of "I do not have a clue how this works, but I am looking for a Mortgage..."

    IT tends to just go from there.

    This is what I love about a broker - you don't have that extra stress, because house buying and selling is stressful enough!
    The trouble with having an open mind, of course, is that people will insist on coming along and trying to put things in it.
  • kingstreet
    kingstreet Posts: 38,767 Forumite
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    McDonalds ten minutes from home... Costa five minutes from work...

    Like I said, time and place convenient to you...
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, 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. Please do not send PMs asking for one-to-one-advice, or representation.
  • Mutton_Geoff
    Mutton_Geoff Posts: 3,820 Forumite
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    I just remortgaged through a broker to NatWest. On the Nat West website their two year fixes are 1.8% (£995 fee) or 2.59% (no fees). My broker (cost £250) got me a two year (actually 26 months to Nov 2019) fixed at 1.1% with no fees.


    Definitely worth talking to the brokers.
    Signature on holiday for two weeks
  • RiversTam
    RiversTam Posts: 65 Forumite
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    Hadn't even thought of that kingstreet.
    Funny enough the office is opposite the local costa ��

    Will keep that in mind when we go back to remortgage!
    The trouble with having an open mind, of course, is that people will insist on coming along and trying to put things in it.
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