Mortgages

[ex1]

Sarnie said:

Ok.

I'm not going to respond further as most of the above is either incorrect, exaggeration or downright lies. There are plenty of people out there who will also confirm that I've gone above and beyond for them, replying to mails late at night and all over the weekend and whilst being on holiday even. And as for being no more than a comparison site, if that was the case, I wouldn't have been trading in this industry since 2002. The vast majority of my clients come to me having already been turned down by their bank or lenders they found on comparison sites and it's my experience that has made it possible for me to help them, something you can't get from looking at lists of lenders and rates online.

I won't air YOUR dirty laundry in public as to why your applications were declined, but I'm sorry it didn't work out but if you had an issue you could have contacted me at any time in the last 18 months and I would have been happy to talk.

Edited by Sarnie on Wednesday 21st September 16:29

Now we are seeing the real Sarnie.

I agree with the above poster that I would only use a broker where things aren't straight forward. Now your implying I had adverse/bad credit because i didn't think you offered a very good service!

You had all the facts, gave bad advice and were unable to do anything I couldn't have done myself. I got the impression you more interested in getting your fee than anything else.

The other broker I used had the same info and got me accepted with the SAME lender within 24hrs, it's really that simple.

FYI I did email you and you still haven't replied.

.

Edited by ex1 on Monday 26th September 01:09

[rsbmw]

This is plain ridiculous.

I'll add my two penneth. Sarnie added real value, clearly knew the market, hooked me up with a mortgage that I otherwise wouldn't even have thought of and couldn't be happier with, and took the hassle out of everything. I expect 100's of other PHers, not to mention other customers, would have a similar tale to tell.

Of course you can't please all of the people all of the time, and it's clear from post above that this particular customer is one you would probably be happy to see the back of.

[ex1]

Rangeroverover said:

Oh go on Sarnie I like dirty linen

I think your reputation on here speaks for itself, all the above also shows what nonsense an AIP is, alas as an estate agent (how could I sink so low)Vendors always want to know. If angry of wherever it was failed due to bad credit history shirley not the sort of person you want to deal with. RElax and remember that in the modern world every set back is never one's own fault always someone else to blame

That's not the case. I do not and never have had bad credit/ adverse and I take exception at Sarnies implication that I do!

Another broker got me accepted as proposed with the same info and the SAME LENDER sarnie proposed me too.

[cookie42]

I'll reply to this as I've just used sarnie for my mortgage application. He did reply while he was on holiday and I did get some emails during non working hours like he says he does , would I use him again ? 100% yes. He takes all the effort out of a mortgage application

[rfisher]

Few years ago I had an application in progress with Sarnie and needed to ask him something.

Emailed him quite late in the evening. Got a reply straight away. Several emails went back and forth. Happened to enquire why he was working so late and it turned out that the man was on a flight to LA.

You don't get that kind of effort from your average broker.

So it didn't work out in your case - get over it and stop slagging Sarnie off.

[ex1]

rfisher said:

Few years ago I had an application in progress with Sarnie and needed to ask him something.

Emailed him quite late in the evening. Got a reply straight away. Several emails went back and forth. Happened to enquire why he was working so late and it turned out that the man was on a flight to LA.

You don't get that kind of effort from your average broker.

So it didn't work out in your case - get over it and stop slagging Sarnie off.

All these posts tell us is that he is on holiday a lot

It worked out just fine in my case. I saw this thread and thought I would give my view, just because its a different view to many doesn't make it any less valid.

I didn't feel I got a very good service from Sarnie who is now trying to imply it was my fault! I've dealt with other brokers since who I found to be more knowledgeable and offer a better service.

[ascayman]

Your dealings with Sarnie are vastly different to mine.

He answered every email and returned every call irrespective of time of day and got an extremely difficult mortgage over the line in double quick time, I wouldn't hesitate to recommend him to anyone and have done on a number of occasions all of which have fed back to me that he was extremely helpful

You're the odd one out it seems....

[Ozzie Osmond]

How does this work? In my world broker fees are generally payable when something is successfully achieved. With mortgage brokers is there an up front fee and then a success fee? Or something else?

[rsbmw]

Sarnie charges a one-off fee, can't remember whether it's pre or post full application but I think post. I think he will then look after any remortgages thereafter without a further fee. There will also be commission paid from the lender.

[ex1]

Ozzie Osmond said:

How does this work? In my world broker fees are generally payable when something is successfully achieved. With mortgage brokers is there an up front fee and then a success fee? Or something else?

Sarnie charges an upfront fee PRIOR to any application, so may have a vested interest in proposing something he may not think stacks up rather than what's in best interest of client. You could argue "no work for free" but I'm inclined to agree with you, it should be based on success.

Most decent brokers only charge on results. If they think it doesn't stack up they would advise you to wait until XYZ is in place so everyone's time isn't wasted.

All get a nice kick back from the lender once it goes through, some don't charge any upfront fee as this kickback can provide a very good income for what is actually an glorified admin job.

[FreeLitres]

ex1 -message received. You have described your experiences now.

I don't think there is any point in repeating your stance in every other post as it's not particularly helpful and the OP isn't getting any nearer too answering his original question.

[ex1]

FreeLitres said:

ex1 -message received. You have described your experiences now.

I don't think there is any point in repeating your stance in every other post as it's not particularly helpful and the OP isn't getting any nearer too answering his original question.

Thanks for your input. I was responding to Ozzie's question. All useful stuff for anyone looking for a broker/mortgage.

[Ozzie Osmond]

Yes, thanks for the response.

[Maryben]

(I had a First Direct offset and HSBC mortgage in the past, both of which Sarnie explained he couldn't match because they were direct-only.)

HSBC have now made their mortgages available from selected brokers

[klmhcp]

I've used the same broker for 15 years with great success but have never been charged upfront and would not pay it if asked. Appreciate it obviously works for some though as sarnie seems pretty popular on here but if you're looking for a broker, bear in mind they don't all work that way. Absolutely no axe to grind here - just pointing out a fact.

[klmhcp]

Massively unprofessional to publicise all that IMO. I know he's criticised you and you want to defend yourself but putting that out in public is a disgrace.

[Ozzie Osmond]

Don't fret - things are generally pretty civilised in this strange corner of PH called Finance.

[rsbmw]

I'm sure it was The Government/The City/Nico Rosberg's fault anyway.

delete as appropriate

[lukefreeman]

ex1 said:

Rangeroverover said:

Oh go on Sarnie I like dirty linen

I think your reputation on here speaks for itself, all the above also shows what nonsense an AIP is, alas as an estate agent (how could I sink so low)Vendors always want to know. If angry of wherever it was failed due to bad credit history shirley not the sort of person you want to deal with. RElax and remember that in the modern world every set back is never one's own fault always someone else to blame

That's not the case. I do not and never have had bad credit/ adverse and I take exception at Sarnies implication that I do!

Another broker got me accepted as proposed with the same info and the SAME LENDER sarnie proposed me too.

You sound like a bell end. Have you got your money back off Liam now?

I bet you've committed some details or lied on your application to your new supplier.

Just look at how many people he's sorted out on here!



For the record, Sarnie got me a mortgage, with a far better rate than I could get on my own, given my circumstances (Low deposit, paying £650 on 1st house still)

[lukefreeman]

ex1 said:

Ozzie Osmond said:

How does this work? In my world broker fees are generally payable when something is successfully achieved. With mortgage brokers is there an up front fee and then a success fee? Or something else?

Sarnie charges an upfront fee PRIOR to any application, so may have a vested interest in proposing something he may not think stacks up rather than what's in best interest of client. You could argue "no work for free" but I'm inclined to agree with you, it should be based on success.

Most decent brokers only charge on results. If they think it doesn't stack up they would advise you to wait until XYZ is in place so everyone's time isn't wasted.

All get a nice kick back from the lender once it goes through, some don't charge any upfront fee as this kickback can provide a very good income for what is actually an glorified admin job.

Post application.

I've recently paid one to him!