Seeing a mortgage advisor early - any point?

[Easty-5]

I popped into my bank yesterday and they told me there was a note on my file stating they would like to offer me a mortgage and to arrange an appointment with their mortgage advisor. I am about 4-5k short of where I would like to be deposit wise but I still have a decent amount and I should eat my target figure by march.

So, is there any point in arranging to meet with a mortgage advisor now, or shall I wait until I have 100% of my deposit?

[dalenorth]

Theres no harm in having a chat, but deals do change all the time.

[Sarnie]

Theres no harm in an informal chat but no point getting an AIP as the don't have a deposit yet and haven't found a property.

An AIP may only last 30-60 days so you'd need another one, meaning another credit search, which is what you want to avoid.

Also, a bank can only speak to you about their products, if you speak to someone independant (me ) they can give information from the majority of the mortgage market.

Good Luck

[sunnygym]

Sorry to butt in on this thread but i sent a email (through PH) to Sarnie as i was after some advice re remortgage just wanted to know if it came through

Cheers

[Sarnie]

sunnygym said:

Sorry to butt in on this thread but i sent a email (through PH) to Sarnie as i was after some advice re remortgage just wanted to know if it came through

Cheers

No, it seems that the PM systems isn't working today.

You can mail me directly at [e-mail] if you like though

[Coneyhurst Blue]

sunnygym said:

Sorry to butt in on this thread but i sent a email (through PH) to Sarnie as i was after some advice re remortgage just wanted to know if it came through

Cheers

Me too Sarnie - although mine was only on Wed.
I guess the system is playing up ?
Any other way of getting hold of you ?

[jan50]

It could be worth checking your mortgage adviser is a whole of market mortgage adviser rather than just selling the banks own mortgage products too.

[Sarnie]

Coneyhurst Blue said:

Me too Sarnie - although mine was only on Wed.
I guess the system is playing up ?
Any other way of getting hold of you ?

Not sure whats up with the PM system!

My direct mail is [e-mail]

I've now put it in my profile details too

[Sarnie]

anonymous said:

[redacted]

How long ago was that?

The rate your on is more symptomatic of the products available at the time....