kingandy | (no subject)

(no subject)

Have rang Your Move about housies; fixed up an appointment (pending confirmation) to view two tomorrow, one of which is in Great Lever, and also a meeting about a mortgage. Just to see what they can offer, really. I can see definite advantages to getting them both from the same place - the estate agent doesn't have to try so hard to convince the mortgage people that the house isn't a pile of crap, and there may be financial incentives - but I am also wary about such things as captive audiences and not shopping around. Though I have already shopped around a bit (ie, checked several mortgage calculators online).

Anyone?

UPDATE: One of them has gone, so I am ringing the Halifax about other housies in the area. More as we get it.
UPDATE UPDATE: Halifax no answer phone. Will try again tomorrow morning, hoping that they do same-day viewings, or that they do viewings on Sunday also.

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Guardian on a Saturday is a good place to look for mortgage information.

Working for the Royla Bank of Scotland, i understand that the Halifax beats us and many others hands down with mortgages, and they also sell houses.

They do. So are the Halifax best for mortgages? Charcol and Which? mortgage finders suggested Scottish Widows, being a first-time buyer looking at around 50-60K 100% mortgage.

I'm not sure if they're the best, but they are pretty good.
Unfortunately they're also the largest, which means i'll sneer at you if you go with them, but only cos my indie rock sensibilities tell me to.

A hell of a lot of estate agents will provide a free financial advisor to talk you through mortgages if you see a house they are marketing that you like. Taylors Nationwide estateagents do it as do a lot of others...it's worth asking them if you see one.

I've went with Halifax for both my mortgages. I got to be a "first-time buyer" for both. Halifax seem to do the cheapest mortgages. They're a bit crap when it comes to admin (if you also take out insurance with them, ensure they insure the correct house - muppets!) but do sort out any messes they make. I'd kinda recommend them but only because they're cheap and in the end that is my main criteria for a mortgage.

Halifax may or may not be cheapest, but the lady at Your Move tells me they don't do 100% mortgage, only up to 97%. Sadly even 3% of 60K is £1800 I don't have.

Have a look at http://www.moneysavingexpert.com/

There should be a segment on first time buyers

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