Hi we are looking into getting a mortage ive posted the other day to get advice and it basically came down to speak to a broker for advice.
We spoke with london and country yesterday, I called up for some general advice and they just told me before seeing anything of our situation to go with halifax? We then called up later on, sent our experian file through give more details, we mentioned we had seen clydesdale, monmouth and santander deals and we are looking for around 90 ltv or possible 89 ltv, they said they would call us back yesterday afternoon (they didnt but did aplogise) they said they are whole of market and would look at the ones I mentioned as well.
Well I emailed them this morning to fijd out as they still hadnt got back, even to say they were still looking but i got a reply to say the only one really will be halifax again and they have dropped rates this morning as well.
Im not sure how to take this, they have now said halifax both times, the first time before even seeing our situation, it just seems they are biased towards halifax or am I being paranoid here?
Im just a bit wary of going to the big guys halifax as ive read they are giving out aip easily but its harder to actually get a mortgage approved. I also read that building societies are looking the better choice.
The mortage is going to go under my partner, he hasnt got a squeaky clean credit record but like I said in my other post its just 1 credit card, paid off every month and an overdraft on there now, although we did find 2 accounts did show an arrangement but they were settled in full, one from 2008 and one from 2012.
Does the advice from the broker sound right, is halifax our only choice given our situation or should we look elsewhere?
We obviously dont want to go down the route of applying and getting rejected for a mortgage. So we were looking for advice really on which way to steer our application.
I forgot to mention that my partner does bank with halifax as well but im not sure if bank loyalty does count though.
We spoke with london and country yesterday, I called up for some general advice and they just told me before seeing anything of our situation to go with halifax? We then called up later on, sent our experian file through give more details, we mentioned we had seen clydesdale, monmouth and santander deals and we are looking for around 90 ltv or possible 89 ltv, they said they would call us back yesterday afternoon (they didnt but did aplogise) they said they are whole of market and would look at the ones I mentioned as well.
Well I emailed them this morning to fijd out as they still hadnt got back, even to say they were still looking but i got a reply to say the only one really will be halifax again and they have dropped rates this morning as well.
Im not sure how to take this, they have now said halifax both times, the first time before even seeing our situation, it just seems they are biased towards halifax or am I being paranoid here?
Im just a bit wary of going to the big guys halifax as ive read they are giving out aip easily but its harder to actually get a mortgage approved. I also read that building societies are looking the better choice.
The mortage is going to go under my partner, he hasnt got a squeaky clean credit record but like I said in my other post its just 1 credit card, paid off every month and an overdraft on there now, although we did find 2 accounts did show an arrangement but they were settled in full, one from 2008 and one from 2012.
Does the advice from the broker sound right, is halifax our only choice given our situation or should we look elsewhere?
We obviously dont want to go down the route of applying and getting rejected for a mortgage. So we were looking for advice really on which way to steer our application.
I forgot to mention that my partner does bank with halifax as well but im not sure if bank loyalty does count though.