I wanted to take the time to post my experiences arranging a mortgage through Sharon at www.themortgageservicegroup.com
At the beginning, we decided we had enough knowledge and experience to be able to sort ourselves a mortage without paying a fee for a broker. We first started planning our motgage around 1 year before completion and felt we were more than prepared to get the mortgage sorted without a broker. We personally visited a number of banks and got some (what we thought) good contacts. We felt we were very prepared and knew what to ask and when.
We managed to get a number of very good deals offered to us direct from the banks in Spain for our mortgage (namely CAM and Bancaja). Everything seemed great until around 1 month before completion when they totally changed the deals they were offering. In fact, they decided they didnt even want to offer us the amount we needed at all. The cynical side of me feels they did this as they didnt think we had enough time to sort anything else out.
Through the above process, we were in contact with Sharon, following a recommendation, and she was happy to give us advice and other quotes - even though it appeared we were not going to be using her services.
So, the month before completion, having been given the terrible final offers, we contacted Sharon again and asked her if she could help us out at very short notice. She managed to get everything sorted out in time with a new bank. The deal wasnt quite as good as we originally were being offered by CAM / Bancaja - but those deals were non existent anyway!
She spent four weeks working on it for us, and were emailing/calling each other MANY (and I mean many) times a day. It seemed like we had our own personal, full time broker. Nothing was too much trouble for her.
Me and my family cannot say enough good things about her to be honest. All problems that came up, she handled very quickly. We had a last minute hiccup with bank draft charges from the bank. A couple of calls later, between Sharon, ourselves and the bank and that was sorted - saving another 500 Euro for us. If we had been dealing direct, I dont think we would have resolved that problem so easily.
So, for anyone thinking as we did that you dont need a broker, think again. When it comes down to it, having someone who deals with this sort of thing on a daily basis is invaluable. The small fee Sharon charges is more than worth it. I dont usually do this testimonial type thing, but thats because I dont think I have ever had this level of service before.
Give Sharon a shout she'll sort you out. Hope my story makes sense!
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