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mortgage advisor

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hi all, tomorrow I will have a appointment to give my agreed in principle for my first time buyer mortgage to the agency but could you please advise what would be the best to get agreed in principle … Read More
Hardawan Avatar
7m, 1d agoPosted 7 months, 1 day ago
hi all,
tomorrow I will have a appointment to give my agreed in principle for my first time buyer mortgage to the agency but could you please advise what would be the best to get agreed in principle the agency says they know one but I have heard it's always best to get an independent agreed in principle!!
what is your advise please what is best how to get one
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Hardawan Avatar
7m, 1d agoPosted 7 months, 1 day ago
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(13) Jump to unreadPost an answer
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#1
My advice would be to use full stops.
#2
adamsxi
My advice would be to use full stops.


there you go..... :)
#3
adamsxi
My advice would be to use full stops.


there you go.... :)
#4
I'm afraid I really don't understand your question...
#5
adamsxi
My advice would be to use full stops.


F*****g class
#6
I've read your question three or four times now and I'm still not sure what you're asking . What agency are you meeting with ? Is it an estate agent ? Do you have a house in mind ? What stage are you at in buying a house ? Are you asking if you should consult an independent mortgage advisor or go with the one the estate agent recommends ?
#7
Mortgages would depends on your deposit, your finances, and your credit rating.
Most people would look at current deals available and select one which appeals to them and their risk profile...fixed or floating rate. Applying online might get you a fast reply for "agreed in principle" assuming everything is straight forward.
Those with poor credit history or other factors might go to a mortgage broker to have a look round.

Be aware that some companies may leave a credit check history on your account.
#8
I think Halifax are the best to get one from as they do a soft search that doesn't affect you credit score.
#9
psychobitchfromhell
I've read your question three or four times now and I'm still not sure what you're asking . What agency are you meeting with ? Is it an estate agent ? Do you have a house in mind ? What stage are you at in buying a house ? Are you asking if you should consult an independent mortgage advisor or go with the one the estate agent recommends ?


thank you all for replying,
what I was asking is,
I have seen a flat I like it it's £150000 it's brand new with help to buy I can get £30000 plus my %5 which is £7500 but I still should get a mortgage for £112500 but my Halifax agreed of principle for myself I done they can pay up to £105500 ,
now how do get the best deal and where to get the mortgage advisor how can I get the best deal out of them?
#10
Best to talk to family and friends to ask if they can recommend an independant financial mortgage advisor local to you. As you'll typically going to pay between 0.5 and 5% for their service they will be working in your best interest to get the best deal available. They should give you several options and explain why they think each option should be considered. If they do get a payment from lenders then they should also tell you. For example, my mortgage advisor has a special computer program that is laid out like a spreadsheet showing lenders, rates, length of time, fees and their commission earnt from the lender and then they go through each one explaining the pros and cons.
#11
Toptrumpet
Best to talk to family and friends to ask if they can recommend an independant financial mortgage advisor local to you. As you'll typically going to pay between 0.5 and 5% for their service they will be working in your best interest to get the best deal available. They should give you several options and explain why they think each option should be considered. If they do get a payment from lenders then they should also tell you. For example, my mortgage advisor has a special computer program that is laid out like a spreadsheet showing lenders, rates, length of time, fees and their commission earnt from the lender and then they go through each one explaining the pros and cons.


thank you so much for your reply
how much do they cost on average please?
do they do all the solicitor as well or do I have to get a solicitor separately?
#12
If you are hoping for help by the help to buy scheme, You better hurry up because this has been reported today.

The Help to Buy scheme has been scrapped by the Government according to a letter sent by Chancellor Philip Hammond to Bank of England governor Mark Carney.

The scheme, which was aimed at providing mortgage assistance for young, first-time buyers, was one of the flagship policies of David Cameron’s government.

It was announced by Mr Hammond’s predecessor George Osborne in 2013 and described at the time as “the biggest government intervention in the housing market since the Right to Buy scheme”.

Mr Hammond wrote in his letter than the scheme’s purpose had been “successfully achieved” and added that “it will close the new loans at the end of 2016”.
#13
pick any independent mortgage advisor and talk to them to get the basic information. With government schemes you are usually limited on what mortgages you can get. You will need a solicitor (can sort this after getting a mortgage in principle) If you currently have a aip for £105500 maybe that is all you can get and will have to get the rest of the money some other way. A mortgage advisor will clear this all up for you

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