Best Mortgage

[flipflop104]

I've had a mortgage on a fixed rate for 7 years and the term is now up. I'm pretty sure my current mortgage lender (C&G through LloydsTSB) is not the cheapest rate that I could be getting so I was wondering if anyone could advise me of another mortgage lender which would give me a good fixed rate for approx 5-7 years.

Once I have a shortlist of about 5 lenders, I'm going to go to each one and book an appointment to discuss in more detail.

[DomS]

Save yourself trudging round lenders and give me a call! I'm an indpendent mortgage broker. We don't charge any fees - we get paid by the lender. As brokers, we also get access to many rates you can't get. Dom @ Cheltenham Mortgages 07747 160 431 vodafone

[flipflop104]

Dom hi

Are you properly independent or independent but only go with thte companies that give the best commission?

I don't mean to be rude but want to make sure I'm going to get the best form my money.

I may give you a call later today.

[flipflop104]

Forgot to say, do you have a landline number and an email address?

[Sparkles3]

try www.moneysupermarket.com for some comparison advice online.

If you want to speak to someone about it, look in your local telephone pages to find a branch of accredited Independent Financial Advisors. They are legally obliged to give you advice that suits YOU and your circumstances best and can have better rates than you can get as an individual. They will get commission on the products that they pursue for you, but are obliged to tell you how much so that you can decide for yourself if they are being unduly influenced!! If they will not get any commission for something they pursue for you, you may be charged a small amount to cover their administration.

Personally, for mortgage changes, I have done my own research to find some good deals and then gone to my IFA with those in my back pocket. He gives me his suggestions, I compare them with mine and then he does the paperwork and chasing through for the chosen mortgage agreement itself. Works very well for me!

[flipflop104]

@Sparkles - your plan sounds good to me. I don't know a great deal about mortgages but I know a bit and would like to have a bit of an idea (like you) to go armed with, whoever I speak to, hence me wanting a bit of help with a starting point.

[rabseenesbit]

I've just had an advisor round today and he has recommended to me the abbey flexible mortgage.He said his own mortgage tie in is up in six months and he will himself be changing to this product. He did come to me highly recommended i may add

[yummymummy]

Have a look at a One Account before you make a final decision, they've got a new mortgage shrinker on their website www.oneaccount.com and you have got the potential to shave years off your mortgage. If you are a bit of a spender it might not be so great as you need to save cash to get the best results but it is worth a look at least.