Advantages Attractive mortgage deals, initial contact via the web, reasonable fees/cost
Disadvantages Extremely slow progress from application to mortgage, needs a lot of cajoling
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|Competitiveness of charges||Good|
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Let me first make clear that this is a review of the "Charcol Online" service. I suspect this is a different service from the one provided by one of their branches and also suspect that you pay a lot less for the privilege at Charcol Online.It has been a slow and frustrating process to get the mortgate organised. In my opinion this is mostly cause by inexperienced and uninterested sales associates.
Like one of the other reviewers this was a straight remortgage.The following has happened so far:
I have to add that we've also had screw-ups at the mortgate company and the solicitor. I know that you get what you pay for. If you pay a broker a lot of money to arrange the whole deal it is often a nice straigtforward process. Using somebody like 'Charcol Online' there isn't much in the way of service fees and I would expect a hiccup or two but not an almost complete breakdown in communication.They have attractive deals on offer: you just have to be prepared to battle hard to get your mortgage ceal completed.
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