FixThatNow
Mortgage rate and cost comparison service — Mortgage adviser
When comparing mortgages, identify the transaction type, property country and decision stage. Ask the professional to explain the comparison basis and total relevant costs, rather than judging options only by a displayed rate or a single monthly figure.
Service scope
Professional comparison of mortgage options using an agreed borrower scenario and date, including relevant fees and product conditions rather than headline interest alone. A comparison is time-sensitive and is not automatically a personalised recommendation or available loan offer.
What is normally included
- Defining a comparison scenario
- Reviewing rate and fee structures
- Explaining material product differences
What is not included
- Guaranteed lowest rate
- Undated rate claims
- Assuming quoted products are available to every borrower
Typical tasks
- Establish the comparison scenario
- Identify the product range considered
- Review rates and associated fees
- Explain relevant restrictions
- Record the dated comparison basis
What to include in your brief
- Purchase or refinance
- Country
- General property use
- Comparison versus personal advice
- Timing of decision
Choosing the right professional
Ask about the lender range, how fees and incentives are treated and when the figures were obtained. A comparison should not claim to cover the whole market or guarantee a best deal unless that scope can genuinely be supported.
Important considerations
- Headline rates can obscure charges and conditions
- Product availability can change
- Eligibility remains subject to lender assessment
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