Hold the front page - not about the headline rate!

How many times have you been lured into buying something that looks to good to be true only to find out that if it is too good to be true - it probably is. Well the same is true about those sparkling headline rates that lenders trawl out on a regular basis.

Normally the lenders will entice would be borrowers in with a jaw dropping low rates but watch out for that arrangement fee/booking fee. You need to factor in all of the variables when deciding what lender to go with including interest rate, arrangement fee and cash back. A good broker will factor all of the variables over the term of the lender's deal and give you what the best deal is taking into account all the variables.

It is fair to say that unless you are wanting to borrow a sizeable chunk of change or take a longer deal with a lender then a higher rate with a lower or no arrangement fee is going to be better over the term of the lender's deal.

If you want me to do the heavy lifting then do get in touch.

My aim is to get you the best mortgage whilst sharing my 20 year legal knowldege so you avoid the usual stresses and strains associated with the mortgage game.