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Previously on "Fee Free Mortgage Advisors"

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  • TheFaQQer
    replied
    Originally posted by Neil SuperContractors View Post
    Not all contractor mortgage brokers charge a fee, for example we don't charge one. We earn commission from the lender (just like the majority of other contractor mortgage brokers). We don't see the need to charge that additional £££ broker fee.
    I'm not sure, but advice like this might be exactly what the OP was after.

    Leave a comment:


  • Neil SuperContractors
    replied
    Originally posted by revelator1969 View Post
    Hey guys.

    I know a lot of you praise the services of a few of the popular mortgage advisors who charge a fee. I had a fee free one lined up but they have now started to charge a fee, it seems they will still take a fee from the lender and now charge a fee to me. Can any of you suggest a fee free mortgage advisor please.
    Not all contractor mortgage brokers charge a fee, for example we don't charge one. We earn commission from the lender (just like the majority of other contractor mortgage brokers). We don't see the need to charge that additional £££ broker fee.

    Leave a comment:


  • NotAllThere
    replied
    Originally posted by MortgageTips View Post
    ---If for example u need to use unguaranteed....
    Mortgate tip. Never get a loan through someone who doesn't know how to spell 'you'.

    Originally posted by revelator1969 View Post
    are you enjoying this game and degrading me in this way?
    Just a thought, but perhaps you're degrading and humiliating yourself?

    Leave a comment:


  • Bean
    replied
    Originally posted by TheFaQQer View Post
    Can I recommend changing your preferences? I have mine set to 40 posts per page and that way this thread is only 2 pages long now.

    This advice comes to you free of charge.
    What's the hidden cost of that free advice?

    This thread, my sides

    Leave a comment:


  • TheFaQQer
    replied
    Originally posted by revelator1969 View Post
    no, it was sarcasm, i want no fees. Someone already stated these fee free advisors have hidden fees, i dont agree with this. Look how many pages we have covered and i got 2 good suggestions.
    Can I recommend changing your preferences? I have mine set to 40 posts per page and that way this thread is only 2 pages long now.

    This advice comes to you free of charge.

    Leave a comment:


  • sal
    replied
    Originally posted by revelator1969 View Post
    are you enjoying this game and degrading me in this way?
    That's the hidden cost of fee free advice...

    Leave a comment:


  • revelator1969
    replied
    Originally posted by northernladuk View Post
    He's not admin. For a fee I can tell you how to block him.
    are you enjoying this game and degrading me in this way?

    Leave a comment:


  • northernladuk
    replied
    Originally posted by revelator1969 View Post
    I tried to block you but sadly you cant block admin.
    He's not admin. For a fee I can tell you how to block him.

    Leave a comment:


  • revelator1969
    replied
    Originally posted by Platypus View Post
    I thought you didn't want a debate?
    another <mod snip> joins the bandwagon

    next <mod snip> please join in
    Last edited by cojak; 30 January 2018, 15:17. Reason: Snipped before Admin sees this.

    Leave a comment:


  • Platypus
    replied
    Originally posted by revelator1969 View Post
    why would anyone choose to pay a fee
    I thought you didn't want a debate?

    Leave a comment:


  • revelator1969
    replied
    Originally posted by WTFH View Post
    When someone asks a question, I tend to search to see if similar questions have been asked before and if the previous advice is still useful.
    In this case the person who asked the question previously was given an answer of "speak to a contractor specialist mortgage advisor". That advice still holds true.

    If you end up with two advisors offering you exactly the same deal with exactly the same figures over the life of the mortgage, apart from one being £1000 more expensive, then go with the cheaper one. But you'd want to make sure it was exactly the same figures and that both were able to get you approved for the mortgage.
    One might be able to suggest a deal, but whether you would get approved for the deal has a lot to do with how knowledgeable the advisor is with contractors and getting them mortgages.


    I tried to block you but sadly you cant block admin.

    Leave a comment:


  • cojak
    replied
    Ah, posted in General.

    <wanders off chuckling at greenlake again...>

    Leave a comment:


  • MortgageTips
    replied
    Fee free Mortgage Advice

    Fee Free is possible in Branch or by the mammoth organisations that process thousands of mortgage applications a week/month - You are a number. Also available to simple & uncomplicated cases such as, PAYE, no credit issues, no dependants or relationship issues etc etc.

    If for example u need to use unguaranteed income to meet Affordability; You have Adverse Credit history, your wife/partner has Adverse Credit history, you have children, your wife/partner is not working or on maternity leave, you only want to apply in Sole name, the property is of non standard construction, you have less than 6 months remaining on current Contract or a host of other criteria, then The Broker will not earn sufficient money from the Mortgage Only.

    L&C are very good at what they do, but I have salvaged to Mortgages for people Declined when using L&C - Saved one client £3K in the 2 year fixed rate period. - All IT Contractors are not the same, all Mortgage Brokers are not the same.

    An initial Free conversation will determine what you require, which Lender can do it & how much work THAT Lender requires (some Lenders are a simple process, some others require War & Peace).
    Last edited by Contractor UK; 30 January 2018, 13:38. Reason: Email Removed

    Leave a comment:


  • BR14
    replied
    Originally posted by revelator1969 View Post
    thanks for doing your snooping, what are you out to prove, are you out to humiliate me more? My circumstances have changed. I asked for simple suggestions but that is too much of a challenge for bullies like you.
    have you tried mumsnet? they might be cuddly enough for you

    Leave a comment:


  • WTFH
    replied
    Originally posted by revelator1969 View Post
    thanks for doing your snooping, what are you out to prove, are you out to humiliate me more? My circumstances have changed. I asked for simple suggestions but that is too much of a challenge for bullies like you.
    When someone asks a question, I tend to search to see if similar questions have been asked before and if the previous advice is still useful.
    In this case the person who asked the question previously was given an answer of "speak to a contractor specialist mortgage advisor". That advice still holds true.

    If you end up with two advisors offering you exactly the same deal with exactly the same figures over the life of the mortgage, apart from one being £1000 more expensive, then go with the cheaper one. But you'd want to make sure it was exactly the same figures and that both were able to get you approved for the mortgage.
    One might be able to suggest a deal, but whether you would get approved for the deal has a lot to do with how knowledgeable the advisor is with contractors and getting them mortgages.

    Leave a comment:

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