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@NurseHolliday
We're currently entertaining 2 mortgage brokers, one says his costs are £95 although I'm led to believe this is slightly mates rates.
The other wants 1% of the mortgage value up to £2,500 (ours will be £2,500).
The reason for this is the 2nd one will manage our mortgage for the lifetime, and essentially guarantees that we will pay it off earlier, he'll always be monitoring, making sure we're on the best mortgage for our circumstances, etc etc but each time we change a mortgage (on his recommendation for our benefit) it will cost another £195.
I understand the benefit of the 2nd one, but I want to know if anyone has gone for that sort of thing on here and whether they'd recommend it.
Adding £2,500 to a £275,000 mortgage seems like a drop in an ocean but I'm always put off by a hard sell and this guy was definitely on one.
Got a meeting with him this afternoon, and I guess if he doesn't come up with any better offers than the cheaper one already has, then that kind of answers my question.