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Intelligent Finance Mortgages

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... Please fast forward >>to relevant parts as required, thanks] WHY I Chose Intelligent Finance (Mortgage product) -------------------------------- Having had several years previous experience stuck in a Fixed rate mortgage product - which basically means agreeing to pay interest at a ... Read review

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Community Level 7Connoisseu...

Connoisseur_Haggler1

DESIGN your Mortgage INTELLIGENTLY.... Diamond review

Advantagesflexible, available for 95% mortgages, interest calculated daily, no arrangement fee, no indemnity premium, no tie in period, online/ telephone 24hrs

Disadvantageslacks personal touch, not available for 100% mortgages, (mortgage deeds not stored), may not suit older persons i.e. up to 65 years due to age restrictions

"...required, thanks] WHY I Chose Intelligent Finance (Mortgage product) -------------------------------- Having had several years previous experience stuck in a Fixed rate mortgage product - which basically means agreeing to pay interest at a fixed rate for an agreed amount of time often with built in restrictions, I was determined not to take out another Fixed rate mortgage. Essentially, I was looking for a mortgage product that’s flexible ..." Read review
30.12.2002

Ciao members have rated this review on average: very helpful

Community Level 3nicci13

nicci13

A MORTGAGE LENDER LIVing UP TO ITS NAME

AdvantagesFlexible, cheap, helpful and efficient

DisadvantagesIt wasn't around a year ago when I needed it then!

"...to another lender? Because I discovered Intelligent Finance (IF), or rather a very nice Independent Financial Advisor (IFA) made the introductions – some are nice, honest! IF, as most of us are aware by now, are part of the Halifax group, so they have quite a substantial backing, and I believe this helps when it comes to trusting them with the biggest loan in my life (well at the moment anyway!). (I should let you all know now, that our ..." Read review
25.06.2001

Ciao members have rated this review on average: very helpful

Community Level 4Manics

Manics

An Intelligent Choice

AdvantagesAttractive rates, no tie-in period. Smart mortgage.

DisadvantagesThe discounted rate is only 6 months - some lenders discount for longer

"...I decided to go to Intelligent Finance and I was very pleased to hear that they would lend me up to £140,000 - more than enough for what I needed! The deal I got from IF was 6% base rate which is lower than any other lender that I had checked up on at the time. There was a discount of 1.5% for the first 6 months. I have seen bigger discounts for longer periods but the base rates for others were higher. Also, they will refund the valuation fee upon ..." Read review
10.11.2001

Ciao members have rated this review on average: very helpful

Community Level 3floater

floater

Intelligent people who gave me Finance

AdvantagesCompetitive, Backed by Halifax, Excellent service

Disadvantagesearly days

"...then saw a recommendation for Intelligent Finance. I was advised that they were offering a very good mortgage deal by the Tesco.com mortgage supermarket and again in the Sunday Express. This led me to look into what the catches were. The low interest rate was a 1.5% reduction for 6 months then payments would return to normal at the variable standard rate of 6.1% The mortgage had no booking fee, no Lenders arrangement fee, no mortgage Indemnity premium, ..." Read review
30.10.2001

Ciao members have rated this review on average: very helpful

Community Level 4one47

one47

IF MORTGAGED to the hilt... UPDATED

AdvantagesEasy to apply for. Can save the right person LOTS of money.

DisadvantagesChanging accounts is always a bore!

"...Nationwide, the Halifax and now Intelligent Finance (also part of Halifax plc) I have had very positive experiences with all three companies, but Intelligent Finance (IF from here on) have excelled themselves. How much does it cost? ~~~~~~~~~~~~~~~~~ As is normal these days, the re-mortgage process costs nothing - There is a valuation fee to pay up front, but this is refunded to your IF account 10 days after completion. To start the ball rolling ..." Read review
12.06.2001

Ciao members have rated this review on average: very helpful

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