我和老公第一次买房，准备付一部分首付然后贷款，老公英国护照工作稳定我配偶签证，我们去countrywide见了一个adviser，他说我们如果用他们的话在买房子前差不多要交4千，包括所有的费用，给他们差不多200多服务费，因为我有另外的朋友是直接自己去巴克莱贷款的但是听他说他在买房前也花了四千，但是有的朋友说不要找这种adviser，收费要比自己找贵得多，我们第一次买房什么经验都没有所以来问问大家的意见，谢谢啦！
“200多服务费”不算贵，但如果你们的收入情况不复杂你们也清楚各种mortgage deal的优缺点，那这200可以去吃两次米其林。
4000多都包括什么呢
其实一般情况咨询银行的mortgage advisor，他们都会给你详细解释清楚情况以及你的贷款会不会有较大的风险等问题，跟broker之类的同样清晰透明，lz如果情况不复杂其实可以省下这个钱啊，就算找broker也有很多免费的，不一定要找这么贵的。
200胖子不贵啊。
噢看错了，还以为服务费就要4000:cn08:
不过这个4000是哪些费用哪？如果是贷款申请费产品费和survey费的话好像也蛮多哦，感觉三项加起来平均一般也就两千不到吧
还有律师费，stamp duty。
原来是一条龙服务的advisor，那还是蛮合理的价
不一定是他们提供所有服务，但financil adviser如果是给advise的话，这些费用都是必须告诉client的，不然有误导的可能性。
我也是first time buyer 就问了一家银行，mortgage offer很快就下来， rate也还行， 还送了个ipad mini
请问是哪家银行贷款送ipad mini 啊？
This is probably irrelevant but mortgage broker is not financial advisor.
We have an advisor but he looks after our investment package instead of mortgage…since we haven’t much time for it.
请问你们的advisor是哪里找到的？怎么收费呢？谢谢！
哪家银行？
Er… He’s a friend of a friend 
Can’t really pass on his details - my apologies.
It depends on your type of investment but in general it’s considered better to hire a ‘chartered financial planner’, if the investment is serious.
They can’t work wonders but they will give you sensible advice on areas such as your taxation, insurance or various other investment products.
My guess is that you can find out more via Chartered Insurance Institute (CII).
Since this is miles off the topic I’ll stop here.
Ps, pardon me for the horrible typo I was used to making - it should spell ‘adviser’.
谢谢成龙大哥！我们收入倒是不复杂，就是我们两个对这些各种deal都不怎么开窍~既然200也不算贵，如果效率能高点还给我们省心也是值得的哈
嗯我有两个朋友都是自己直接去巴克莱贷款的，最后算是律师费和各种费用还有税最后也是差不多花了4千镑，所以我就觉得找个adviser一共算下来各种费也差不多据说效率还比较高，不过你送ipad这个还挺吸引人的哈哈
那家银行呀 还有ipad送？
Personally, I think financial advisers are just con.
Our one has been fine. In fact he’s been a great help and I’d say this as someone who works in the finance industry myself.
But of course it depends on one’s personal needs and circumstances.
It’s not impossible that lots of people are perfectly capable of handling their own finances.