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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.

  • 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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