Any financial advisors out there....

[silverback mike]

Hi folks,

Any ifa's out there? My mortgage fixed rate is changing soon, I need to shop around. Trouble is I reckon everyone is a right old shark so need someone that is trustworthy, and a personal recommendation is a good thing.

Ta folks.

Mike.

[K50 DEL]

I shopped around massively when I did my mortgage thang,

Ended up taking a friend's recommendation (she's in the legal side of the trade, so knows more than most)

Chap called John Moore at Carter Moore LLP

completely independant, total workaholic (calls at 9pm when still in the office!!) and found me the best deal by miles.

He's a local chap, based in Swindon, used to be with Jon Charcol, so his provenance is pretty good.

Contact number is 01793 877745

[silverback mike]

Thanks, I'll give him a ring.

[agent006]

Splodge_s4 is your man for mortgages i believe.

[garfys v8s]

big man i use steve hodge in thornbury he is a top bloke and owns an 555 marranello among many fezzers. daytona solutions is the name of the company just google it.gazza

[splodge s4]

Thats what I do mate! Funny old market at the moment, it used to be a case that its always best to switch lenders, not so now, check first what your existing lender will offer you. If you let me know what they offer you then i'll have a check to see if its worth switching. Often theres bugger all in it, to stay with your existing lender is easy, pick the best deal they offer, sign the form they send & it automatically switches to the new deal when your old one finishes.

To switch its a whole new application, its easy to do & most lenders promise to get it done within 4 weeks but when you take into account legal fees, arrangement fees, valuation fees the new deal often doesnt save you much more than the new deal your old lender will offer. Even if the new deal is 'fees free' the costs are still built in somewhere.

For my own mortgage the last 3 times i've stayed put, pis#er really as i'd get paid the same for doing my own mortgage as I do anyone elses if we do a new application!

So, let me know what they offer & then compare.

[silverback mike]

Thanks Splodge, appreciate the advice and if we can get together, save me a few quid and make you a few quid were quids in. ...

I'll get back to you soonest. Cheers. Mike

[bint]

Got an ex Pher living opposite us who's an IFA and works from home - I can get him to come back on if you find yourself at a loss/needing more advice.

[DKL]

Mike,
I have just done the same thing and have used the same company for ages. You seem to have plenty of choice at present but if you need another drop me a line. This chap has become a family friend and I would trust him implicitly to find the best option available.

David

[silverback mike]

Thanks for the help and pm's chaps. Domestic circumstances have changed a little so may need to hold off a month or so but will be back.