Quote:
Originally Posted by spunkywho
One other thing: I'd never ever in my life consult a mortgage guy about what to do. I have yet to meet a loan consultant that didn't want to sell a mortgage, regardless of what made sense to me personally. Talk to a CPA instead. Or financial planner or whatever you call it over there.
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There are Independent Mortgage advisors in this country which will offer independent advice on your personal situation, to get the best deal out there. They will do all the negotiations with the bank, which I find really good. If I have to pay £300 for their service, I will gladly pay, knowing that someone is looking out for my best interest. This is especially good if you're in need of a flexible lender (willing to lend you more than 3x the salary). The fee is only payable upon completion, so if they don't find you anything, you don't pay.
And here, as ever, contacts are important. Talk to people, and if anyone you know knows a mortgage advisor, get them to drop in a good word for you.