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Choosing a Mortgage Lender

by Bwalya Mwaba

Just as there are many types of mortgages and mortgage deals to choose from, there are also many sources where you can go to get a mortgage. Your key choices are to use a mortgage broker, a more general financial adviser, or shop around yourself and go direct to the mortgage lender. For many people, choosing a lender means finding a mortgage company offering the lowest APR rate.

If you decide to use an adviser you can choose between a specialist mortgage broker and a general financial adviser. A general adviser will look at all your financial affairs if you want, not just your mortgage. As opposed to lenders who can only offer their own products, an adviser can look at the whole market for you and consider mortgages from a number of lenders. Advisers can also offer you advice and information tailored to your needs. In the UK, All firms or Individuals arranging or advising on mortgages must be authorised to do so by the Financial Services Authority (FSA). If you are unhappy with advice from an authorised firm you usually have the right to complain and may be able to claim compensation.

As an alternative to using a financial adviser, you can arrange a mortgage directly with a lender – like a building society, bank or specialist mortgage company. A lender will only recommend their own mortgage products although they may have several you can choose from.

When choosing a lender, you should consider the competitiveness of the lender’s rates, their fees and penalties, their customer service and their reputation. You’ll also want a lender you can trust, and someone you can work with effectively. Remember you’ll have to deal with this company for many years to come.


1. Building Societies
Building societies are mortgage experts, they offer specialist advice and they usually offer very competitive rates. Many national ones have a branch in most major towns and cities while the smaller ones tend to specialise in catering for home buyers in particular areas. For example, the Cambridge Building Society specializes in helping people who live in Cambridgeshire.

2. High Street Banks
Banks usually have years of lending experience and they have more branches and greater coverage across the United Kingdom. Their standard rates tend to be higher than those of building societies but they often offer the best introductory offers on mortgage deals. Some of the big banks now have special arrangements with building societies where the building society is the one that handles all the mortgage business for the bank.

3. Specialist Mortgage Lending Companies
Specialist lenders lend to a particular type of niche market. Many of these specialise in providing mortgages for people in special circumstances who would not normally be offered a loan by their bank or building society. This includes people with adverse credit, the self-employed, part-time employed and those purchasing overseas properties. Many mainstream lenders have established specialist subsidiaries for non-standard mortgages such as these. You may have to deal with them over the phone, by mail or over the internet as most of them do not have a wide network of branches across the country.

4. Insurance Companies
Some insurance companies offer mortgages and other financial products together with their range of insurance products. They may sometimes offer certain deals in association with other financial institutions such as banks but they do not specialise in this area and they may not necessarily offer the best rates.

5. Intermediaries and Mortgage Brokers
Instead of going directly to the lender for a mortgage, you can approach an advisor or broker to search the market for the best mortgage deal for you. Some intermediaries are tied to particular lenders and they may only offer products from their lender. Others are independent so they have a much wider market to choose from. A credit broker is a firm or person who introduces you to a lender for the purpose of borrowing money. The task of the credit broker is to obtain the loan you require on terms that are acceptable to you.

Whatever you decide, it’s important to understand how mortgages are regulated and sold in the United Kingdom. Buying with advice puts you in a stronger position to complain and get compensation if you later discover that the mortgage is unsuitable. You can read some more articles about mortgages at: http://www.commercial-mortgage-guide.org.uk/mortgages/

© Copyright 2005, Bwalya Mwaba writes for the The Commercial Mortgage Guide. Visit our website for mortgage related news, articles, tools and more: http://www.commercial-mortgage-guide.org.uk/. This article may be reprinted as long as all the above links are active and clickable and this author box (byline) is not edited. This article may be reprinted online as long as all the above links are active and clickable and this author box (byline) is not edited.



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Well Fargo Mortgage - Google News
Well Fargo Mortgage - Google News
Well Fargo Mortgage - Google News

Wells Fargo exec. says lenders failed the prudent test - Seattle Times
7 Sep 2008 at 1:08am

Seattle Times

Wells Fargo exec. says lenders failed the prudent test
Seattle Times, United States - Sep 7, 2008
Q: In the run-up to the mortgage-lending crisis, what did banks do well and what ...



Wells Fargo's mortgage head to retire next year - CNNMoney.com
25 Aug 2008 at 4:27pm

Wells Fargo's mortgage head to retire next year
CNNMoney.com - Aug 25, 2008
NEW YORK (Associated Press) - Wells Fargo & Co. said Monday that Mark Oman, the head of its mortgage and consume...



Wells Fargo Mortgage Head to Step Down - Housing Wire
26 Aug 2008 at 10:05am

Waterloo Cedar Falls Courier

Wells Fargo Mortgage Head to Step Down
Housing Wire - Aug 26, 2008
More than a few senior execs of large mortgage operations seem to be riding off into the sunset during...



Wells Fargo to Present at Lehman Brothers Global Financial ... - MarketWatch
4 Sep 2008 at 2:01pm

Wells Fargo to Present at Lehman Brothers Global Financial ...
MarketWatch - Sep 4, 2008
Wells Fargo & Company is a diversified financial services company with $609 billion in assets, providing...



Feds take control of Fannie Mae, Freddie Mac - San Francisco Chronicle
8 Sep 2008 at 1:10am

Feds take control of Fannie Mae, Freddie Mac
San Francisco Chronicle,  USA - 6 hours ago
This ready market for mortgages multiplies the capacity of front-line lenders such as Wells Fargo and ...



Fannie, Freddie deal helps some borrowers, not all - The Associated Press
7 Sep 2008 at 5:01pm

The Associated Press

Fannie, Freddie deal helps some borrowers, not all
The Associated Press - 14 hours ago
That allows traditional lenders like Bank of America, Wells Fargo and Washington Mutual t...



Jobless Rate In August Hit A 5-Year High - Washington Post
6 Sep 2008 at 4:47am

Jobless Rate In August Hit A 5-Year High
Washington Post, United States - Sep 6, 2008
"These are really ugly numbers," said Scott Anderson, a senior economist at Wells Fargo. "T...



The Virtues of Flameproof Plastic - Barron's
7 Sep 2008 at 10:13pm

The Virtues of Flameproof Plastic
Barron's - 9 hours ago
It is achieving this by cutting deals with a number of card processors such as First Data Corp. and Wells Fargo Merchant Services, which, l...




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Well Fargo Mortgage - Google Blog Search
Google Blog Search Results: 12,952 results for Well Fargo Mortgage - showing 1 through 10

Wells Fargo foreclosure help
8 Sep 2008 at 9:09am
I am in a repayment plan with Wells Fargo to get caught up but am not able to meet the payments until next month due to finishing up this custody battle. The custody case is now over and I want to get...

RE: Wells Fargo Bank repossessd homes exceed Fannie and Freddie
7 Sep 2008 at 10:04pm
"Since 1997, Premiere Asset Services (PAS), together with Wells Fargo Home Mortgage and our partner REALTORS®, has helped more than 30000 homebuyers nationwide realize their dream of homeownership th...

Conversation with a Well Fargo Loan Offer! Update on Citi Mortgage ...
5 Sep 2008 at 7:12am
I just got a short sale with Wells Fargo....strange how things evolve and I look forward to working with Citi Mortgage going forward. I have mentioned that it will be these banks that we as consumers ...

Fannie/Freddie - Massive Fraud Breakdown
7 Sep 2008 at 2:59pm
(classic, sounds just like Wells Fargo last quarter) Finally, regulators are concerned that the companies may have mischaracterized their financial health by relaxing their accounting policies on loss...

Mortgage bailout should drop rates
8 Sep 2008 at 10:37am
either hold or sell to US and foreign investors. That allows traditional lenders like Bank of America, Wells Fargo and Washington Mutual to make more loans. Together, Fannie and Freddie own ...

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30 Aug 2008 at 12:50pm
Wells learned well last year wells fargo online wells fargo mortgage. The numbers are seared into Chris "Beanie" Wells' brain, as if by remembering history, he can avoid repeating it. Private wells dr...

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30 Aug 2008 at 1:22pm
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Bailout seen as good for stability
8 Sep 2008 at 6:30am
The companies buy mortgage loans from banks and package those loans into securities that they either hold or sell to US and foreign investors. That allows traditional lenders such as Bank of America, ...

Dallas, Shane, Brian, Members - I need advice on how to approach
6 Sep 2008 at 2:39pm
I have preapprovals through Chase & Wells Fargo. The rates are currently 6.25 for both although I haven't locked in yet. I realized that If I open a checking account with Wells Fargo, I can receive a ...

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