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Useful to know. So the mortgage broker got in trouble, but the client didn't, which makes it seem less like fraud. Obviously :) So that's the excuse I'd use if I was in his place and got caught. I don't think you could get in any trouble (only my opinion, I don't care who doesn't like it). Indeed.

What's changed? My first mortgage was for a rental property. I walked into Bradford & Bingley, and told them what I wanted, and they told me to get their miles better deal that was for homeowners, not buy to let, and then just let it out anyway. I followed their advice. If you say that things...

Not being funny, but can you read? I didn't say he'd get a better deal. He asked if it was possible to get another fixed mortgage (he doesn't even mind if it's paying more) and I said yes, you can do that. He can go to the market. I said that would normally cost some fees, but can (not will) get...

Yes you can. You can go to the whole market for a remortgage. This will normally cost you some fees (legal, arrangement, valuation etc), but can get you a better overall deal.

I haven't said otherwise. It's not. I said find the best deal, and 'if that rate means you need to be a first time buyer...'. You're simple saying that the best deal he can find will not be for a first time buyer, so he won't say he's a first time buyer will he. Better than a kick in the face.

But Uncle C is adamant that house prices are not determined by interest rates. In that case, you are a first time buyer. Basically, shop around for the best rate you can get. If that rate means you need to be a first time buyer, then say your a first time buyer. PM me if you'd like detailed...