pissedbob

They were offering some table-topping fixed rates earlier this year, and even then with supposedly "high demand" the process was extremely quick from application to mortgage offer. The online application process was a piece of cake, although I found it a bit strange that even in this day and age nobody asked for proof of income at any stage... Having said that, I don't intend to take up their offer as my purchase has been delayed and I took the opportunity to get a substantially cheaper 5-year fix from the Britannia. I do have the advantage of being able to put down 25%, so your options may be bit more limited. Don't bother with a mortgage adviser if you are already sure of what you can afford, what kind of deal you want and have an idea of what a competitive rate looks like. They won't tell you anything you can't find on the internet, and indeed many "apply direct" deals are better than anything an adviser can offer (since the adviser needs paying in the form of commission....)