Yep no choice with a broker, no previous loans, as per my other thread a while back I earn and spend it but never any debt. The car doesn’t count, the banks wanted £1k to set up a mortgage while the broker came in at £499.
The bank suggested taking out a loan, but then I couldn’t use that money to pay for the house stuff, so its was rock hard place situation. My broker has got me a good mortgage deal well as far as I can tell, and a confirmed that if it doesn’t go through we get a refund or he will find another deal without costing me anything, and a £1k cash back once its all gone through. Hopefully win/win its just the life insurance that’s a bit over the top and never having to do this before wanted to check.
I did call him back last night and explained my doubts he has since emailed me a better quote and taken the loss of earnings out, so hopefully sorted.