House Buyer incentive

[k22wes]

Hi all, I need a little help. First time buyer making an offer on a £150k house. The house has a 1k buyer incentive if I use the mortgage broker working for the estate agent. I have had a meeting with this broker who offer lifetime help for £399.
Is it a good deal to get the £1k off? Or will I find a better deal going to an independent broker, any help appreciated as this is all new to me.
I'm looking at a 85% ltv fixed mortgage for 2 years.

[k22wes]

That's the answer I needed to hear. So how much would a broker charge usually or how do they get paid? Do you have a contact number?

[k22wes]

I have got aip from Halifax and have made offer without committing to the buyer incentive. I will pm you, cheers.

[k22wes]

I have very good credit rating, 1 credit card and 1 small loan, always paid on time. Single guy, no kids, £25k deposit. Just want a good deal and not be ripped off or taken advantage of.

[k22wes]

Yes it is through fox and sons.
Next bit of advise needed, house is up for £150k, been on the market a week and had about 20 viewings. I offered £146k which they declined. I upped the offer to £147500 as I know they paid £148k for it at the beginning of the year, they have split up so need to sell. Just had a call from the agent, the bloke wants to accept my offer but the girl won't take any less than £149k. His parents even offered to pay her the difference!
Do I hold off and risk loosing it if someone else offers or do I offer 149 and use the incentive to get it for 148?

[k22wes]

It's got everything I need, garage for my 205 with space to work on, garden for my dog, conservatory and it's in the village I want to be in. There isn't much about with that within my budget.
Agent has told me about the viewings, there was 4 viewings the night I looked at it, viewings all day on Saturday and some booked for tomorrow.