AIB plc Mortgages

Advantages: Personal service, many options ranging from shares to current accounts
Disadvantages: Slow to react with paperwork, high interest charges

...I am a student from Ireland studying in the UK. When I was moving country I needed to set up a student account and to get a bank loan of £2,300. AIB gave me both of these. The services offered by AIB to new accounts are relatively comforting. They provide personal advisors, and you deal with the same people over the coming years. I have had exactly the same advisor for two years. The terms and costs of accounts are also very clear. Given that I have operated two types of account (Current and Loan) and found no loopholes or small-text in two years I find it unlikey that I ever shall. One downfall of the AIB accounts are high charges. 9% for the Loan account, and around 9.75% on student overdraft. It has been impossible to get an overdraft with them because of this, and I have defected to NatWest, who offer 0% interest overdrafts... Read review

Ciao members have rated this review on average somewhat helpful

Advantages: Sub-prime lender, varied number of products
Disadvantages: some of the interest rates tend to be a little high

...Mortgages Plc are based in Scotland, the main reason I would recommend these is that they offer sub-prime mortgages which are aimed at people who do not have perfect credit, and for many of the products have competetive interest rates, this is an option good for those people who may find it hard getting a mortgage with High Street lenders, they also have self-cert schemes which allow you to state an income higher than you would normally e.g. good for people who are paid mostly by commission as all commission can be used and this is not normally the case. There product range is also good as they offer mortgages to suit all, Buy to Lets, First Time Buyers, Let to Buys, Right to Buys etc. And they have a good customer service team who won't keep you on hold all day... Read review

Ciao members have rated this review on average somewhat helpful

Advantages: none
Disadvantages: none

...... Read review

Ciao members have rated this review on average somewhat helpful