LV0210 Posted February 5, 2018 Share Posted February 5, 2018 Hello,I need to take out a mortgage so would be grateful for details of a great independent whole of market mortgage broker.Many thanks! Link to comment https://www.eastdulwichforum.co.uk/topic/181996-recommendations-for-mortgage-broker/ Share on other sites More sharing options...
charly89 Posted February 8, 2018 Share Posted February 8, 2018 Hi there, we used Daniel Kilminster at Which Brokers - he has genuinely been excellent, couldn't recommend him enough Link to comment https://www.eastdulwichforum.co.uk/topic/181996-recommendations-for-mortgage-broker/#findComment-1219143 Share on other sites More sharing options...
HelBel65 Posted February 8, 2018 Share Posted February 8, 2018 Yes, try Elliot Webb[email protected]http://www.eastdulwichforum.co.uk/forum/read.php?30,1216156,1216232#msg-1216232Did a brilliant job of remortgaging for me. Link to comment https://www.eastdulwichforum.co.uk/topic/181996-recommendations-for-mortgage-broker/#findComment-1219148 Share on other sites More sharing options...
DulwichLondoner Posted February 8, 2018 Share Posted February 8, 2018 We used Anthony at Trinity, as did many of our friends. Can't recommend him enough.http://www.trinityfinancialgroup.co.uk/who-we-are/ Link to comment https://www.eastdulwichforum.co.uk/topic/181996-recommendations-for-mortgage-broker/#findComment-1219172 Share on other sites More sharing options...
monkeyspanner Posted March 15, 2018 Share Posted March 15, 2018 Can someone be kind enough to explain to me (ignorant but in need of a remortgage)1) what's the point of getting a broker rather than looking round myself?2) do they charge you or have some deal with the mortgage provider where they get a finder's fee? Link to comment https://www.eastdulwichforum.co.uk/topic/181996-recommendations-for-mortgage-broker/#findComment-1228972 Share on other sites More sharing options...
tllm2 Posted March 15, 2018 Share Posted March 15, 2018 1) If you have the time to do the leg work to shop around yourself, then why not ......... but if for any reason you may not have the pick of the whole market (ie. bad credit history, trouble proving your employment history/salary, certain types of property are difficult to mortgage, other mortgages/commitments), then a decent mortgage advisor/broker can narrow down the lenders you can deal with, saving time, effort, unnecessary credit checks and potentially paying wasted 'fees' only to find out that you don't fit their qualifying criteria.2) Some charge you (a set fee), others receive a fee from the mortgage company = 'finders fee', or it can be a combination of both. Some people prefer to pay the set fee themselves, on the assumption they'd get a truly unbiased recommendation, but either way, the advisor/broker should be upfront about how they get their fee from the very beginning. Link to comment https://www.eastdulwichforum.co.uk/topic/181996-recommendations-for-mortgage-broker/#findComment-1229018 Share on other sites More sharing options...
monkeyspanner Posted March 17, 2018 Share Posted March 17, 2018 Thank you! Link to comment https://www.eastdulwichforum.co.uk/topic/181996-recommendations-for-mortgage-broker/#findComment-1229417 Share on other sites More sharing options...
HelBel65 Posted March 17, 2018 Share Posted March 17, 2018 I used to wonder about this too, until I used a broker for the first time last year (Elliot Webb, who I have recommended above) Further to tllm2's post, I also thought I would have access to the whole market for a new BTL mortgage on my rental flat because I don't have bad credit etc, but in fact Elliot was able to get me an amazing deal with Santander which wasn't available on the open market and which frankly saved me a fortune. I don't know how all this works, or why only brokers get access to certain products, but I was most impressed, not least because (as I recall) for that product his fee was paid by Santander, not me! In other cases (pensions/ISAs) Elliot has a flat fee, but it is all very transparent. Good luck. monkeyspanner Wrote:-------------------------------------------------------> Can someone be kind enough to explain to me> (ignorant but in need of a remortgage)> > 1) what's the point of getting a broker rather> than looking round myself?> 2) do they charge you or have some deal with the> mortgage provider where they get a finder's fee? Link to comment https://www.eastdulwichforum.co.uk/topic/181996-recommendations-for-mortgage-broker/#findComment-1229493 Share on other sites More sharing options...
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