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Professional Adviser
  • Mortgages

Email Mortgages calls for end to best buy tables

interest-rates-small-jpg
  • By Mortgage Solutions
  • 16 February 2009
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Email Mortgages has called for an end to the mortgage best buy tables that are currently published throughout the industry.

Email believes best buy tables for mortgages are irrelevant to an individual's needs and often provide consumers with a false picture of the products they are able to access.

The firm would like to see a focus instead on the consumer's need for professional mortgage advice to meet their individual needs and circumstances.

Email says most tables will include headline rates and some minor information about the product criteria however they are unable to provide full details to the consumer.

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Michael White, chief executive of Email Mortgages, says almost every single financial publication available to consumers offers best buy mortgage tables produced from a variety of sources, including other mortgage brokers.

"What we would like to know is who is buying the best buy mortgage? We can guarantee that, for the vast majority of consumers, the products detailed in the best buys are wholly irrelevant and they will have little chance of securing these headline grabbing rates because of the products' criteria." he says.

"There are many other problems for best buys including the fact that only partial information is provided - with limited space in the tables the full criteria consumers must meet to secure the mortgage is often omitted. Plus products are often out of date even prior to publication. In this market, lenders change product rates and criteria frequently and the best buy tables are unable to keep up with a fast-paced market."

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