Hi,
I have just visited an UK Independent Financial Advisor (one who was a member of the IFA) We were looking through fixed rates for a while until I spotted one which was a much lower rate that the ones we were looking at, with relatively low fees. I asked about it, but he said that they don't 'deal' with them (It was a pretty big Building Society) However I noticed that he wasn't showing me any of the rates that didn't include a "commission" fee, including the one mentioned above.
Therefore I am thinking that visiting an IFA, you are still not guaranteed the best rate. And surely you are lucky to avoid unscrupulous advisors who recommend the deals they know have the highest commission fees?
Visiting an IFA, I was pretty confident I could get the best mortgage available for me at that time, but the above example shows otherwise. On returning home I found a couple of better deals than I was shown, through internet sites such as
What does everything else think... if you know what you are doing, is it better to look for the best deal yourself?
Neil