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Our free and impartial information service aims to provide you with the answers that are important to you: Written with Scotland's property market in mind but using the UK's leading financial institutions to get the best deal for our viewers. Whether you live in Edinburgh, Glasgow or the Shetland's - you deserve the right deals, impartially delivered.

 

Finance and Property:  It couldn't be easier, honest!

 

Thanks to the internet you can now search for information on the best financial products in the marketplace without having to go to your local IFA or Bank and having to rely on their knowledge in order to find you the right deal for you.

Try www.moneysupermarket.com to compare the some of the UK's best offers before seeing your bank or IFA.

 

What is important to you is that you are:

Whether you are a First time buyer or buying to let or remortgaging or seeking any type of finance you should use a well known price comparison website first of all.  We suggest www.moneysupermarket.com to cover the most up to date and comprehensive of finance offers.  This way you can view the sort of offers that are suitable for your needs from quite literally thousands of mortgage and finance houses. Then, should you decide also to go to your local bank or IFA - you can take the comparison results along to them so that they are aware you are have market knowledge and this will ensure that you get a very competitive deal which could save you thousands of pounds over the period of your loan.

Whether you are employed or self employed or you may not have a perfect credit history - there will more than likely be a product in the market place that will suit your situation provided you can meet the monthly repayments.

Some mortgage types/ lenders will allow you to add your legal costs in purchasing your property to your mortgage.

Some mortgage lenders will allow you to borrow over 100% of the value of your property

Some mortgage lenders will provide you with fixed rates with no early redemption fees

Some mortgage lenders will pay for your survey costs for the successful bid you made on a property

You need to be able to search the market quickly and efficiently to get the right deal for you ... try it now and see what mortgage offers are available in the market, you'll be surprised at how competitive they are.

Do not accept that fees are not negotiable!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  Fees are ALWAYS negotiable

In fine Scottish tradition - always haggle.  Don't be embarrassed to ask - is that the lowest fee they could charge?  What does that charge cover, it seems excessive?  I'm sorry but other providers charge much less, will you match their fees because I am attracted to your product?  Bloody hell.......How much......where's your mask.....I'm not going to phone the banking ombudsman I'm going to phone the police!!!

However you choose to haggle, always be curteous, direct and empathic to the individual you are speaking with (Get them on your side.....it works!)

With literally thousands of IFA's and Banks screaming to get your money - it never has been a better time to get a good deal. We can't tell you who is the best bank or best IFA or best Estate agent or solicitor because the market is constantly changing.  What we want you to do is to research using the tools available to you in order to help you understand the property market and finance at the moment.

 

                                                           

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