June 2021 by Wojciech Przylucki
It?s always good to shop around for a new mortgage... in my case re-mortgage and a new mortgage, so that?s what I did. I definitely wasted my time dealing with Julie. I told Julie what I want and provided her with all the figures she asked for. I was hoping she will come up with competitive mortgage rates. Instead she has taken her time and came back with nothing. Two other mortgage advisors I?ve contacted came back with figures and Lucra came back with ?oh you better get some more money for 15% deposit you?ll get a better rates?.If you find it annoying that people do not bother reading your e-mails don?t be me, and do not waste your time. Contact more than 1 mortgage advisor so disappointment does not turn in to can I or can?t I take out a mortgage... for people reading this, yes you could get 10% mortgage on less favourable rates than 15% but on 2 year deal you can save for 2 years living in your home and remortgage adding your savings on top of whatever the property value increase is.
