Current mortgage rates and mortgage broker effort
Hello, hoping for a bit of advice.
Situation as it stands is i have perfect credit, my partner not so much. Ive grafted to clear most of it up however theres still some markers from 2021, and some arrangement to pay back in 2025 which is settled.
Broker is offering a specialist rate of 5.8% on a 2 yesr fix. I feel that we should be able to get a mid tier rate of 5.1/5.3%. 85% ltv, im the higher earner earning double my partner and as i said above i have perfect credit as well, bar the one arrangement to pay her credit isnt even that bad.
Am i being delusional thinking we dont count as specialist? Or am i right to push back? Im on a relatively short deadline as its a new build but im tempted to go find a new broker, feels like im going to pay a 1k fee for someone to fight my corner to get the service i could have got from a no fee broker.
Any insight is welcome.