Most of us believe that we are good shoppers and would be able to get the best deal from banks. Others have this comfort with their existing bankers and would work with them even if they are more expensive. Looking back at buying behaviour over the last ten years there is a tendency to

  • Look for the cheapest mortgage
  • Look for convenience
  • Have a concern about fees and charges
  • Flexibility of the loan i.e. to be able to switch from one type of loan to another

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