Recommend a mortgage broker please

SkyTerran · 31 Mar 2023 at 05:08

My mortgage fixed rate period ended and now I'm on 7.74% interest rate... Halifax won't give me another fixed rate deal because there's less than 2 years left on my existing mortgage.

Looking into getting back onto a lower fixed rate and also putting some credit card debt into it (debt consolidation). Spoke with L&C Mortgages earlier this week, but they stopped replying to my emails or returning my calls...

Can you please recommend a good mortgage broker?

PlacidCasual · 31 Mar 2023 at 06:07

We used Embrace Financial Services the guy we worked with was very knowledgeable and supportive.

weringo · 31 Mar 2023 at 07:41

Tom Crawford from Charles Cameron & Associates was very good

BUDFORCE · 31 Mar 2023 at 07:55

I got a dim view of most mortgage brokers I'm afraid.

Some of them are decent genuine people, but a small percentage.

As much as they are a pain the other end L&C are pretty well audited and trained, interesting they stopped dealing with you though.

I'll have a look through when I log on to work today see if I can remember any of them that were any good.

Maccy · 31 Mar 2023 at 07:59

Rowan at J Finance - https://www.jfinance.co.uk/about-us/meet-the-team/rowan-frayling/

The guy is brilliant

Martynt74 · 31 Mar 2023 at 08:03

I used Trussle, although i only used them as there was a cashback bonus which made it more beneficial than going direct. They seem to just use the same mortgage comparison sites that are available to the public.

Could you not go with Halifax on a longer term and then overpay to bring it down to 2 years? Otherwise i know First Direct offer unlimited overpayments.

Haggisman · 31 Mar 2023 at 08:36

I've used Fluent before - had a good experience with them

VincentHanna · 31 Mar 2023 at 08:51

Are you saying you will be mortgage free in 2 years?

Junglist · 31 Mar 2023 at 09:04

We used Key Solutions. They were brilliant and free at the time but I believe they now charge

dlockers · 31 Mar 2023 at 09:06

Speak to Lee.

SkyTerran · 4 Apr 2023 at 23:14

Thanks for your help guys.

BUDFORCE said:
As much as they are a pain the other end L&C are pretty well audited and trained, interesting they stopped dealing with you though.

I guess as I need a small mortgage, the percentage they'll get from the bank as payment on the whole deal won't amount to much - so they don't care to follow up.