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Home > Finance > Banking & Personal Finance > Mortgage Lenders > Intelligent Finance Mortgages
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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
Previous page Next page Page 2 of 2 | 11 to 16 out of 16 Review(s)
  • 2 of 8 Ciao users found the following review helpful
    Picture of geezer38

    geezer38

    2 Stars Finacially Intelligent or just argumentative? 05/04/2007
    User doesn't recommend the product

    Advantages Advantages Good Interest Rate

    Disadvantages Disadvantages Inflexible, Somewhat Confrontational, Poor customer Service

    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- just total disinterest! They even declained to put me through to the mortgage department 'as it wanst worth it'! Got a remortage from Natwest at a muich better rate and they do offsetting too! As for the current account- totally and utterly inflexible- didnt carry out written instructions and then just ... more
  • 1 of 8 Ciao users found the following review helpful
    Picture of mamacassa

    mamacassa

    4 Stars Intelligent Finance - 04/04/2006
    User recommends the product

    Advantages Advantages Friendly service, quite low rate, offset, good if your self -employed

    Disadvantages Disadvantages Very stressful at the beginning of application but forgot about that now

    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 have bought a shoe box. Think our rate is 5.70 at the moment and I love the fact we are not tied in by anything. We needed a payment holiday for a couple of months and were given one straight away with no questions asked (it only bumped the payment up by an extra tenner but was much better than getting ... more
  • 1 of 11 Ciao users found the following review helpful
    Picture of markinbelv

    markinbelv

    5 Stars Eggs in one basket, GREAT IDEA!!!!!! 19/06/2004
    User recommends the product

    Advantages Advantages easy to use online service/flexible system

    Disadvantages Disadvantages 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 great to be able to look at your account at any time on line and notice the morgage actually being paid off. This account has worked well for us and can't understand why a lot more people are'nt changing over, it appears you can't lose as you have total control over your money. Customer service to date has ... more
  • 0 of 12 Ciao users found the following review helpful
    Picture of Arabs

    Arabs

    2 Stars IF only I'd stayed with First Direct! 16/07/2003
    User doesn't recommend the product

    Advantages Advantages Offsetting can save you money

    Disadvantages Disadvantages 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 first named account holder, not necessarily a problem, but not ideal. All statements, which ever account they relate to are sent out in joint names (I did ask, and it is not possible to change this). To my mind rather old fashioned!!) After some teething problems (errors in interest, payments not made) ... more
  • 0 of 13 Ciao users found the following review helpful
    Picture of newey

    newey

    5 Stars Make Your Savings Work Harder 14/11/2005
    User recommends the product

    Advantages Advantages Flexible, Off-setting of savings, very helpful and knowledgable over the phone

    Disadvantages Disadvantages 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 saving more money in mortgage interest than we could earn if the savings etc where elsewhere. This is saving money and shortening the life of our mortgage. I have found the customer service to be excellent. While banking with some other banks I had found that the staff on the phones were no always very ... more
  • 0 of 13 Ciao users found the following review helpful
    Picture of lisaismith

    lisaismith

    2 Stars not so intelligent finance 06/10/2002
    User doesn't recommend the product

    Advantages Advantages on-line

    Disadvantages Disadvantages complicated

    we re-mortgaged our home through a mortgage broker we'd used before and so trusted his judgement on the suitablilty of an intelligent finance mortgage. You have to open a bank account aswell and the theory is that you save interest by having money in the bank account. Unfortunately the layout, explanation and accessability to the accounts is not terribly intelligent and every time we've tried to use the on-line facility we end up telephoning an operator to sort it out. The security system is over complicated with random security questions the answers to which never seen to be correct, although ... more
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