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Home > Finance > Banking & Personal Finance > Mortgage Lenders > Intelligent Finance Mortgages
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16 Reviews

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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... more

User Reviews

for Intelligent Finance Mortgages

Rating Summary based on 16 reviews

  • 5 Stars
    		8
  • 4 Stars
    		2
  • 3 Stars
    		0
  • 2 Stars
    		6
  • 1 Star
    		0
  • 122 of 122 Ciao users found the following review helpful
    Picture of Connoisseur_Haggler

    Connoisseur_Haggler

    4 Stars DESIGN your Mortgage INTELLIGENTLY.... Diamond review 30/12/2002
    User recommends the product

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

    Disadvantages Disadvantages lacks 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

    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 you are thinking of buying a property; Bank of England’s base rate has remained low at 4.0% for over a year; so, it could be a good time to borrow. The types of mortgages are endless; fixed rate, capped rate, tracker rate, ISA mortgages, cash back mortgages (ha ha, makes a mortgage sound like ... more
  • 48 of 48 Ciao users found the following review helpful
    Picture of nicci13

    nicci13

    5 Stars A MORTGAGE LENDER LIVing UP TO ITS NAME 25/06/2001
    User recommends the product

    Advantages Advantages Flexible, cheap, helpful and efficient

    Disadvantages Disadvantages 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 market at the moment, and a lot better then just over a year ago when we bought our first house. Back then we were quite limited as to what sort of mortgage we could get, as we needed a 100% loan, and there are not many lending companies that offer great deals when giving you the entire amount for the ... more
  • 27 of 27 Ciao users found the following review helpful
    Picture of Manics

    Manics

    5 Stars An Intelligent Choice 10/11/2001
    User recommends the product

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

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

    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 because I was still within my 5 year tie-in period. I could have stayed with the Leeds & Holbeck to avoid paying this huge fee but Leeds & Holbeck would not lend me the extra money (I needed £120,000) for my new house. I decided to go to Intelligent Finance and I was very pleased to hear that they ... more
  • 23 of 23 Ciao users found the following review helpful
    Picture of floater

    floater

    5 Stars Intelligent people who gave me Finance 30/10/2001
    User recommends the product

    Advantages Advantages Competitive, Backed by Halifax, Excellent service

    Disadvantages Disadvantages 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 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 ... more
  • 19 of 20 Ciao users found the following review helpful
    Picture of one47

    one47

    5 Stars IF MORTGAGED to the hilt... UPDATED 12/06/2001
    User recommends the product

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

    Disadvantages Disadvantages 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 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 I spent 60 minutes with my financial adviser, who answered all my ... more

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