Mortgage advisor

[B2B]

anyone know a decent IFA / mortgage advisor?

 

[westwing]

anyone know a decent IFA / mortgage advisor?

Thought you were already a millionairelol

 

[Mad Bee]

I'm in the midst of my third re-mortgage and have used someone my mum recommended every time.

Used to work for Prudential but was made redundant years ago and set up as an IFA.

John Edwards - Richmond One Stop Mortgages

Mobile - 07885 904601
Landline - 020 8940 7007

I'm James Malcolm in case you can want to say that I gave you his number.

 

[hanworthbee]

Wendy T on here is one

 

[Simon W]

Wendy T on here is one

 

[Wendy T]

Thanks hanworth for remembering me, B2B have pm you

 

[Markybee]

Weny T sorted a mortgage out for a mate of mine. It was done quickly, efficiently and at a good rate. Give her a try B2B.

 

[Old B]

I used http://www.mdgmortgages.com/ - they were good and unusual for this type of firm quite efficient, text updates, etc.

 

[TW3Bee]

I'm in the process of moving house and I'm using Mark Rackham (07976568412, 02085304160)

He is very good which is why I'm recomending him.

If you use him tell him that Julian gave you his number.

 

[8corner]

Geoff Buckingham is a loyal Bee and an excellent Independant Mortgage Adviser - based near Ealing Broadway station. I've used Geoff twice now and had an excellent service both times.

 

[westwing]

Geoff Buckingham is a loyal Bee and an excellent Independant Mortgage Adviser - based near Ealing Broadway station. I've used Geoff twice now and had an excellent service both times.

Hello mate, that last sentence sounds a bit suspectrofl

 

[B2B]

Need to get a new mortgage.....any more recommendations?

 

[RT]

Avoid HSBC, trust me, just used them as I bank with them and they have been awful. It's taken us 3 months to complete on a private sale, no estate agents involved. They use their own solicitors who take as long as possible to do things and made so many errors (spelt my wifes name wrong, not just once).

 

[westwing]

Need to get a new mortgage.....any more recommendations?

Bloomin eck mate, you on the move again ?

 

[wibs]

Need to get a new mortgage.....any more recommendations?

Yes use 'Which? mortgage advisers.'

100% recommend them, use a guy called David Blake. Direct Dial Tel: 0117 981 7999 Option 2 / Ext. 020

Its free and they are a charity so offer you every mortgage on the market as opposed to some mortgage companies

 

[Brickie Chap]

Bloomin eck mate, you on the move again ?

It's a good job he doesn't trust anyone in financial services lol

 

[B2B]

Bloomin eck mate, you on the move again ?

no just need to re mortgage

 

[B2B]

Thanks Wibs, will give it a try

 

[hanworthbee]

re mortgaging pisses me off as they all seem to come with a £1k setup fee

 

[Sultan]

You can choose not to remortgage, so therefore saving on fees or take a longer fixed rate deal (5 or 10 years) at a rate you are happy with and not having to shop around every couple of years and paying the setup fee and having all that stress.

 

[hanworthbee]

thats the next plan, want one with a minimum of 5 years if possible

 

[westwing]

no just need to re mortgage

Ah, dem kids are starting to cost yalol

 

[Burgau Bee]

Im a Mortgage Advisor. Ring me if you want any advice. Chris 07776200581

 

[SCARFER]

Anyone got some recommendations for Financial Advisors, and how much do they generally charge? Have a mortgage but am looking at buying a 2nd property, is it best to speak to one or a mortgage advisor? I'm clueless when it comes to these things as you can tell!

 

[Paul USA]

Wesley Harrison (Plays left back for Godalming) at Investec, Guildford.

I have been using them for some years now. I am very happy with the advice given.

You would have to check what their fees are.

Make sure you gift your 2nd home in the name of 1 of your kids - No capital gains tax then payable when your kid sells it as it will their be their sole residence.

 

[Markybee]

Geoff Buckingham is a loyal Bee and an excellent Independant Mortgage Adviser - based near Ealing Broadway station. I've used Geoff twice now and had an excellent service both times.

Indeed he is. Very helpful.

 

[westwing]

Indeed he is. Very helpful.

and the outside of his office is painted red, white and black

 

[hanworthbee]

does anyone know if a get out clause applies if you want to borrow more with the same lender if still within your fixed deal?

 

[GEOFFBEE]

does anyone know if a get out clause applies if you want to borrow more with the same lender if still within your fixed deal?

If you wish to change the whole deal, then normally there will still be an early repayment charge, during the remainder of the fixed rate period.
If , however, you simply wish to apply for additional borrowing, the lender is unlikely to charge that, but it may offer you different terms on that additional amount(could be higher or lower rates).
Some lenders may offer concessions, though, so it is worth asking them what they can offer, and if they can consider waiving the charge!
I hope that helps.

 

[Leonardo]

I used Andy Rogers and he was great and he helped my sis-in-law out too. He was in an estate agents by Denham Station - don't know if he still is as agency has changed. RodBee used to work with him.

 

[Hullbee]

How do you judge a good mortgage advisor?? Isn't a simply case of computer says yes? Or computer says no?

 

[nocoat]

I used Andy the first time too. Good man. Did it myself the next time

 

[Hullbee]

I used Andy the first time too. Good man. Did it myself the next time

So you don't think their worth it then??

 

[The Joker]

How do you judge a good mortgage advisor?? Isn't a simply case of computer says yes? Or computer says no?

Surely you've got to know what you want to ask the computer before it says yes or no? That's where the adviser's knowledge and experience comes in. Plus they may have access to deals not available to the general public.

 

[Hullbee]

So your paying them for a computer programme?? Walk in earning blah, savings blah, outgoing blah... Bingo you can borrow £250,000 at 3.2percent... Can you do a better deal no really yes computer says no. Your credit rating isn't excellent because some ***** at the rating agency inputted some data wrong

 

[jlove]

I would also assume that the mortgage advisor is responsible for inputting the correct spelling and grammar.

 

[The Joker]

So your paying them for a computer programme?? Walk in earning blah, savings blah, outgoing blah... Bingo you can borrow £250,000 at 3.2percent... Can you do a better deal no really yes computer says no. Your credit rating isn't excellent because some ***** at the rating agency inputted some data wrong

Not really. With so many deals out there you get professional advice on whether to go for fixed, tracker, offset, portability etc.

I'm not paying them either; I've used a broker twice and on both occasions they take their commission from the provider. I'm comfortable with that and don't believe I could have got a better deal for my circumstances by doing it myself. :shrug:

 

[kevalutonbee]

does anyone know if a get out clause applies if you want to borrow more with the same lender if still within your fixed deal?

Just moved house and needed to borrow more to make this possible. The terms of the fixed I was on meant that early repayment charges were waived if the completion dates were on the same day and were also fully refundable if the completion dates were within 90 days of each other.

However I think this was related to the specific mortgage deal I had so it would make sense to ask the question of your current lender

 

[nocoat]

So you don't think their worth it then??

Depends how smart you are. In those three years i learnt a lot about the financial markets and became far more savvy so was confident on finding the best deal myself. in any case it mattered not to me as when i came to move I would have stayed with the Nationwide even if the extra mortgage I wanted was 8% as the bulk was on 2% above base and i wasn't going to lose that. So I didn't need his magic box i just needed to go to one office and see the best rate.

 

[dermotjordan]

A mortgage broker/adviser can be useful particularly if your proposition isn't straightforward, but often isn't necessary. The advantage as stated above is greater access to the market. Some lenders offer different deals to intermediaries then generally available. I work in Finance & our company provides high end mortgages but we don't advertise, have bespoke products & therefore don't feature in best buy tables. A broker will know & access providers like this. Otherwise trawling through Moneyfacts website is a good start, if doing your own research.

 

[jlove]

I've just received a rather derisory offer for my house but I've talked them up slightly and accepted it as they have sold (and, yes, it still may never happen), so it could be quick. I hope they have a good mortgage advisor, though.

 

[ChinaBee]

So having just received a huge tax bill, do I leave my savings in ISA's earning around 10% pa and take a new mortgage out or just pay the money off and try to re-coup it?
What is going rate for mortgage nowadays?

 

[hanworthbee]

about 3% I think

 

[nocoat]

Depends mainly on the LTV does it not. ie. how much of the house you already own and therfore how big their risk is.

 

[Hullbee]

So having just received a huge tax bill, do I leave my savings in ISA's earning around 10% pa and take a new mortgage out or just pay the money off and try to re-coup it?
What is going rate for mortgage nowadays?

ISA must be stocks and shares might worth cash some of it out

 

[ChinaBee]

ISA must be stocks and shares might worth cash some of it out

Thanks unfortunately tax bill is bigger than ISA, just sold some shares but still plenty of thousands short............so still thinking of mortgage. Nocoat 100% as paid that off with compensation package....

 

[Hullbee]

Pay your taxes and stop trying to rip decent honest non working folk off

 

[ChinaBee]

Pay your taxes and stop trying to rip decent honest non working folk off

Always paid my tax, but relied on payroll people getting it right, then 2 years later being told they did not do it right and having to pay thousands in interest through no fault of my own.............p I ssed off is an understatement

 

[Hullbee]

I jest but thank you for your contribution towards our taxes