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@user16171
Pie them both off @NurseHolliday...
If you want, you can have a chat with my old man who is an IFA.
He's helped a couple of forum types get mortgages sorted, and given a couple more some advice which they have then taken away and done their own thing with.
He will give you completely objective advice on what the best financial products for you will be and will never ask you for a penny.
Yes - he will get a commission IF you do go through him to organise the mortgage but, as an independent IFA with all the letters, exams and moral/ethical responsibility that comes with them, he will give you the best advice for your needs not for his own commission.
#PitchOver