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Super

flexible, available for 95% mortgages, interest ca...

lacks personal touch, not available for 100% mortg...

Buying a house can be one of the most exciting yet stressful things you may ever do and unless you have thousands stashed away in an offshore account or have just won the lottery, chances are you will have to apply for a mortgage to buy your dream home. There’s no time like the present if...

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Excellent

Competitive, Backed by Halifax, Excellent service

early days

I went to see a mortgage lender who was supposed to represent most of the lenders on the market. I was offered a ridiculously low borrowing amount and hastily started looking elsewhere. I looked on the net and quickly found that I could easily get £5000 more than was offered earlier. I then saw a...

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Excellent

Flexible, cheap, helpful and efficient

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

Having just sold our current humble abode, and finally finding a house that we both liked, we now have the job of sorting out a suitable mortgage. We have decided that we were going to move our current mortgage, despite quite high redemption penalties as there are some excellent deals on the...

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Excellent

“An Intelligent Choice”

published 10/11/2001

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

The discounted rate is only 6 months - some lender...

I recently purchased a house and wanted a good deal on my mortgage. I wanted everything - a discounted rate, cashback and also no tie-in period. The tie-in period was very important to me as I had to leave my previous mortgage lender (the Leeds & Holbeck) and they charged me over £3000 to do this...

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Excellent

Easy to apply for. Can save the right person LOTS ...

Changing accounts is always a bore!

Over the last 9 years as a homeowner I've held mortgages with 3 companies, the 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...

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Satisfactory

“Intelligent?? Finance”

published 14/07/2006

Competitive borrowing rates

Woeful call centre expertise and supporting system...

I decided to move to an offset mortgage because I needed something akin to a large overdraft facility. I had a look at Virgin One, but their lending rates were very expensive compared to IF. Some bright spark in marketing had the idea of calling the accounts jars. To make any practical use of the...

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Satisfactory

Online service makes managing your money easy and ...

Cumbersome online facility, drawn out and error pr...

We took out an offset mortgage with IF on the advice of our financial advisor. As my wife and I are self employed we often have money in our accounts waiting for our twice yearly tax bills. It made a lot of sense for us to offset the mortgage against these savings. Setting up the mortgage with IF...

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Excellent

Quick, simple, from the comfort of your own home.

None.

We bought our present home 4 years ago and like many people in the same position, we now have a house that is worth more than we could afford today. Of course, this means we can't afford to move to anywhere bigger. So of course it would be nice to free up some of that equity, without changing my...

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Satisfactory

Only as a last option

Unintellegance, and confusing.

Going through this whole ordeal would be too much to bear to be honest so this is going to be a very short review. My apologies to those of you who like long in depth and fully researched stories, but I can only tell you of my experiences after all... It started when my fiance and me decided to...

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Excellent

“Excellent service”

published 17/03/2001

savings on Interest payments

Paperwork does take a little time to come through

I recently moved my mortgage over to Intelligent Finance (IF) and on the whole found the service very good. IF actually paid the full legal and valuations fees which saved me about £500 in all. the product is also linked to my current account thus saving me interest charges on the cash that I...

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Satisfactory

Good Interest Rate

Inflexible, Somewhat Confrontational, Poor custome...

My inital experience with IF was a good one- good inital rate on a Mortgage, usful to have th offsetting feature, which works well. However, once I was out of my special offer period I started looking around and wanted to extend my mortgage-IF didnt want to know!- No more deal available to me...

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Super

“Intelligent Finance -”

published 04/04/2006

Friendly service, quite low rate, offset, good if ...

Very stressful at the beginning of application but...

I obtained a mortage with I.F in December 2004. It was quite hard work from what I remember but have had no problems since. My partner was self-employed and it was pretty much impossible to obtain a mortgage for the amount we needed. Other banks (including my own) offered us amounts that wouldnt...

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Excellent

easy to use online service/flexible system

0845 number when you have to ring them

Changed from a normal run of the mill morgage bank to IF and were sightly cautious, but so far so good, its worked very well for us. Looked at many other off set morgages and spoke to friends and this appeared and has been the most simple one to use and by far the easy one to understand. Its...

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Satisfactory

Offsetting can save you money

Technology rather backward

If only Intelligent Finance was as fantastic as I had been lead to believe. The idea of offsetting appealed to us so we moved our mortgage to them (as supposedly more flexible than First Direct). As we have a joint mortgage all accounts opened in either party's name have to be approved by the...

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Excellent

Flexible, Off-setting of savings, very helpful and...

No branch network

We were really please woth IF as they were able to offer a total package surrounding a flexible mortgage. As we as the mortgage (which we can over-pay) we also off-set our current accounts, savings accounts and ISAs. While our savings and current accounts are off-set against the mortgage we are...

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