They say it pays to shop around – but loy­alty pays too

Switch­ing mort­gage prod­ucts didn’t mean chang­ing lenders for Joe Kelly and Cather­ine Hallett

The Oban Times - - SELF BUILD & RENOVATION -

When they de­cided to take the plunge and build their own home, Joe Kelly and Cather­ine Hallett turned to Scot­tish Build­ing So­ci­ety for help. A self-build mort­gage from the so­ci­ety al­lowed them to draw down funds as re­quired for each phase of the project. Now hap­pily set­tled in to their new five-bed­room de­tached home on the out­skirts of Perth, they have switched to a stan­dard mort­gage, and are de­lighted that the so­ci­ety had a com­pet­i­tive prod­uct to of­fer.

Cather­ine takes up the story: ‘We bought the land for our new home in De­cem­ber 2013 and broke ground 10 months later in Oc­to­ber 2014. Orig­i­nally we went through a mort­gage bro­ker to fi­nance the build project, and he put us in touch with Scot­tish Build­ing So­ci­ety. As the build pro­gressed I was glad to be able to deal di­rectly with the so­ci­ety’s Fiona Dyer who kept me right through ev­ery stage of the process.

‘It was great to be able to pick up the phone to some­one who took the time to ex­plain things to me clearly, and who had lo­cal knowl­edge. I re­ally wel­comed her ex­per­tise and it was for that rea­son that we turned to Scot­tish Build­ing So­ci­ety when the time came to switch to a stan­dard mort­gage once the build com­pleted. I had shopped around a bit on the internet so I knew what rates were avail­able and when Fiona re­sponded quickly with a com­pet­i­tive quote we snapped it up. We were al­ready in­clined to re­main loyal to Scot­tish Build­ing So­ci­ety be­cause of the sup­port and per­sonal con­tact I had through­out the build, and we are both de­lighted to re­main a mem­ber of the So­ci­ety with our new mort­gage.’

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