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Small high street EA, the same ones I bought it through. Apart from lying about it when she forgot to drop forms off to me, and hoping I'd not notice when she did it the next day, they've been pretty good considering it was 1 week turnaround from initial valuation to viewings.
Re. mortgages: is there any argument for a shorter period (currently looking at 30 years) over the longest reasonably possible and overpaying if affordable? That seems to give the most flexibility to my mind.
Polygon-
Longer with overpaying is much better, gives you flexibility if your circumstances change. Just have to resist the temptation of slacking off on the overpayments
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Yes, longer with overpayment but watch out for overpayment limits. In my fixed period I can only overpay 10% a year of the outsanding amount without incurring early repayment fees. That's not a reason not to have a longer mortgage but might be a reason not to take a longer fixed period than you expect to need.
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is there any argument for a shorter period (currently looking at 30 years) over the longest reasonably possible and overpaying if affordable? That seems to give the most flexibility to my mind.
None whatsoever as far as I can tell, provided it doesn't take you past retirement age etc.
By overpaying you're effectively reducing the term, but on your own terms. Typically you won't overpay by more than 10% a year and incur an overpayment penalty. If you're getting (say) a 5y fix, this all only really applies for the first 5y because you'd typically remortgage after that anyway.
dt
brokenbetty
rhowe
Awesome. Was this with a traditional or online EA?