written by Ricardo82 on 16/07/2019
I just bought a new build flat and instructed Torc24 to help me with my mortgage application and the Help to Buy process. They have been incredibly helpful. First, an adviser came to my house and talked me through the best mortgage options in the market. I had done my own research and was pleased to see that his suggestions were consistent with the online tools I used. Most importantly, he knew there were some banks that were no longer offering mortgages for my particular development (because they had already issued several mortgages in the first phase of the development and were no longer able to do so under their internal risk limits), and this saved me from wasting a lot of time filling mortgage applications that would have been ultimately rejected (as well as the credit rating implications). He then guided me through the different fixed/variable terms and made incisive observations that helped me to choose the mortgage that was best suited to my needs.
I was then passed on to Iwona Litwin, an adviser who helped with every stage of my mortgage application and Help to Buy authorisation. She went above and beyond her role, frequently contacting my solicitors and the developer to ensure that everything was moving smoothly and on track. She was extremely helpful in explaining to me where I was in every step of the process, and what to expect going forward. She also responded to my queries incredibly quickly, often within an hour or two, and always the same day.
Overall, I've had a great experience with Torc24, and I'm happy that I chose them as my lifetime broker.
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