英国论坛
（再更新）我的老贴居然被顶了，现在已经pull out之前帖子里提到的那个房了，重新买的房子马上就要exchange了，这个星期天我们带上builder和干interior design的家人一起去再看看，然后就可以scope所以的colour scheme，decor了。希望圣诞之前能搬家。
今天收到中介的电话，卖家接受了offer，但是提出条件，they want to be sure the sale will not fall through, and be in control of the situation, so we must use the agent’s broker, as they want to know the progress of the mortgage application, in case if anything happens, they can put the house back to market immediately!
我们有HSBC的 mortgage in principle，首付55%，现在为了这个房子要去用中介的broker，我真的心里很不爽，中介的意思，if we don’t use their broker, we lose the house, it is the vendor’s idea. 我当时真想说老娘不买了。郁闷啊
更新
我们5月28号下的offer，6月3号中介的broker递交了mortgage application，12号中介告诉我们vendor 找到要搬的房子，chain is complete，今天broker打电话告诉我们 both residential and BTL mortgages are fully approved subject to valuation, 这光速啊，我都赶不上啊。本来我们想圣诞之前能搬就不错了，现在看来house warming party可以直接上summer BBQ啊，人品啊，人品。
虽然经历了一点点不愉快，但是整个过程还是非常顺利的，开心。只要valuation别出个什么妖蛾子，我们7月底之前应该可以搬家啊:cn08:
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个人觉得中介就是扯，欺负中国人不懂行，不知道为啥中介总是各种兜售broker,有这么高的commission吗？
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不爽就不用呗
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话说跟谁贷款是你要决定的事情，关系你将来的权利义务，关卖家什么事，试想如果我是卖家，我有什么权利去要求买家用哪家贷款机构？无稽之谈，不过有些中介是挺无耻的，趁着现在房子抢手，不愁卖，你要不同意，他真有可能不给你，但如果你是老外，他才不敢提这种无理要求，如果很喜欢这房子，或许试试直接找卖家商量
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英国的中介实在是太无法无天了- bbc咋不跳出来曝光一下呢
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他是再搞笑么？
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先看看broker的rate咯，HSBC不一定是最低的，有可能broker更划算
如果broker真是坑人的，叫卖家打折要点好处咯，如果principle便宜点利率高点也划算的。更重要是给双方一个台阶下
如果对方真是特别强硬，先想办法让agent把条件用email说清楚当证据
然后参照
Extract from The Property Ombudsman Code of Practice for Residential Sales (as of 22.02.10)
· as recognized by the National Association of Estate Agents (NAEA)
· as approved by the Office of Fair Trading under its Consumer Codes and Approval Scheme
Submission of Offers6a By law, you must tellsellers as soon as it is reasonablypossible about all offers that you receive at any time until contracts have been exchanged (in Scotland, missives have been concluded) unless the offer is an amount or type which the seller has specifically instructed you, in writing, not to pass on. You must confirm each offer in writing to the seller, and to the buyer who made it, within two working days.
6b You must keep written or computerised record of all offers your receive – including the date and time of such offers – and the seller’s response. Such records should be made promptly.
Discrimination
6c By law you must not discriminate, or threaten to discriminate, against a prospective buyer of the seller’s property because that person declines to accept that you will (directly or indirectly) provide services to them. Discrimination includes – but is not limited to – the following:
· Failing to tell the seller of an offer to buy the property.
· Telling the seller of an offer less quickly than other offers you have received.
· Misrepresenting the nature of the offer or that of rival offers.
· Giving details of properties for sale first to those who have indicated they are prepared to let you provide services to them.
· Making it a condition that the person wanting to buy the property must use any other service provided byyou or anyone else.
说你要去consumer direct菊爆
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lz曝光一下这家无良中介吧！
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扯淡！
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哎，我们错过第一套想买的房子的时候意识到一定要用中介的broker。特别是很popular的房子。没办法啊。话说回来，从broker走，多花几百块，其实还是省心些。broker卖的产品有可能和branch里面的不一样，所以就要权衡了。非常的闹心，中介有时候真是非常坏的。其实银行也会想办法多收的，天下乌鸦一般黑。
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从来没听过还有broker可以搞到比HSBC更划算的房贷的，楼上说这话的贷款买过房子么？能拿到HSBC的offer其他的都不用看了，浪费时间。