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Are there any cheap mortgage deals left? 3 Years, 7 Months ago
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Can anybody recommend good places to look for cheap mortgages rates (without having to speak to advisor just yet!).
I'd be interested to know if there were sites where I could input my own specific details and then be able to see rates that are available to me.
Every best buy table I see shows generic rates which _base_d on my circumstances I'm not going to get.
Basically I'm looking for a 'live' search of the mortgage market _base_d on my details. Can anybody recommend websites?
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Re:Are there any cheap mortgage deals left? 3 Years, 7 Months ago
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Karma: 1
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you could use a whole of market broker that doesn't charge unless an offer is made or on completion of the mortgage- that way you can get an idea of the mortgage products that are out _base_d on your actual position.
hope that helps
priya
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Re:Are there any cheap mortgage deals left? 3 Years, 6 Months ago
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thanks priya...
how do I know that a mortgage broker is whole of market?
Is this something that they legally have to show you. If so, how do they do this?
Also, do you know of any 'whole of market' brokers on the internet that search all UK deals?
Do services such as 'moneysupermarket.com' search all of the market?
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Re:Are there any cheap mortgage deals left? 3 Years, 6 Months ago
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Karma: 1
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A mortgage broker on their initial contact should present to you with an IDD with a terms of business. This basically means they tell you who they are, who they work for, what to do if you want to complain, if they are authorised by the FSA and if so the FSA number for you to verify their details, any details about charges for their services and also they should tell you if they work for whole of market or a panel of lenders.
These are basic requirements a broker should highlight before going any further with a client.
On line systems are different to what brokers use, at times deals that you have found online might not be found by brokers simply because lenders up date their products so frequently.
Its better to find a broker that charges you on offer- meaning they search the market for you and bring back a selection of products that best suit you. Its your decision whether to accept or go somewhere else. If you decide to go somewhere else they shouldn't charge you.
I hope this helps
Priya
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