JamesBlacks Posted May 3, 2013 Share Posted May 3, 2013 I am in need of discussing some mortgage options with someone that specialises or has good knowledge of the Right To Buy scheme. Any ideas? Link to comment Share on other sites More sharing options...
More4loans Posted May 3, 2013 Share Posted May 3, 2013 (edited) Mortgage Talk in Rotherham are pretty good and whole of market. Edited May 3, 2013 by More4loans Link to comment Share on other sites More sharing options...
Danny_Boy Posted May 3, 2013 Share Posted May 3, 2013 (edited) People also need to be careful of using the comparison websites because when you give them all your details they actually do a credit search on you, now doing lots of these can have a negative effect on your credit score. A colleague of mine had a client looking to buy at 90% she had the mortgage agreed in principle and then went searching on one of the comparison websites, when she went back to apply for the 90% mortgage the maximum she could have was now 85% because of all the recent searches on her credit file. As some people have already pointed out sometimes banks do offer better direct rates but when you actually get there you can't get the rate and if you can't get the mortgage you can actually end up missing out on the home you had found. Also it's worth noting that the lenders are now really backing the intermediary market, companies such as Accord, Abbey, Nationwide & Halifax offer exclusive products to certain brokers. Find a broker you like and stick with them, that's my advice. Regarding fee charging well I always say to my clients you get what you pay for. Edited May 3, 2013 by Danny_Boy Typo Link to comment Share on other sites More sharing options...
Danny_Boy Posted May 3, 2013 Share Posted May 3, 2013 I am in need of discussing some mortgage options with someone that specialises or has good knowledge of the Right To Buy scheme. Any ideas? I have done a few right to buy mortgages but I wouldn't say I am a specialist in this area but feel free to drop me a PM and I will try to find out or help. I work for one of the largest brokers in the country with over 600 advisors (part of Mortgage Talk as mentioned above) so I am sure I will be able to find the answers you need. Link to comment Share on other sites More sharing options...
ellabbs Posted May 3, 2013 Share Posted May 3, 2013 i have just used Which mortgage advisory service, they do it free unless you use them to sort the mortgage out, and then they charge you 100 pounds. i used them because,well its which? that run it and i trust they have the consumers interest at heart and know their stuff.. google which mortgage advisers and call them for a chat.. its free. thanks andy Link to comment Share on other sites More sharing options...
More4loans Posted May 3, 2013 Share Posted May 3, 2013 Which Mortgage Advisers charge a £199 up front fee (not all whole of market advisers do) and if you prefer them not to receive a commission from the lender on completion, they will charge you a 0.5% fee. Link to comment Share on other sites More sharing options...
Margarita Ma Posted May 3, 2013 Share Posted May 3, 2013 (edited) Why not just go straight to your bank and see what they can offer. Thank you Plain Talker. Edited May 3, 2013 by Margarita Ma repeating herself Link to comment Share on other sites More sharing options...
Plain Talker Posted May 3, 2013 Share Posted May 3, 2013 Mod Note Once again, threads merged. Please use the search facility before starting a new thread. thanks Link to comment Share on other sites More sharing options...
topbuilder Posted July 27, 2013 Share Posted July 27, 2013 hi, can anyone recommend a reliable mortgage adviser, THAT CAN BE BOTHERD, ! fed up of pretenders. Link to comment Share on other sites More sharing options...
Arrr Sez I Posted July 27, 2013 Share Posted July 27, 2013 hi, can anyone recommend a reliable mortgage adviser, THAT CAN BE BOTHERD, ! fed up of pretenders. What do you mean, fed up of pretenders? Are you saying there are people pretending to be mortgage advisers? How strange. Link to comment Share on other sites More sharing options...
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