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I've gone sale agreed on a property off market a few months ago. The vendor owns a number of properties including this one. The vendor's solicitor said he was waiting for the consent of the bank to release the title deeds, then he would send contracts for sale. Last update he said he had oral...

I'm considering Pepper because that was the only lender my broker could secure a mortgage with. I have an existing mortgage and there is some negative equity on that property which I don't want to sell so its not easy getting a second mortgage.

I used a broker. He got approval with Pepper. The rate is 3.95% and I can do better and they charge a .5% arrangement fee. Questions are 1. Which lenders should I approach on my own ie. lenders that don't deal with a broker. On another forum it was suggested BOI and Ulster Bank don't deal with...