IIB are the only lender who will lend you the money. I think that deserves a bit of loyalty, its a bit rich of some posters to suggest that no loyalty is deserved. Remember, if it was not for them you would not be purchasing the property at all. They have taken a big chance on you as, if things don't work out they have an asset that, in general, is not overly easy to sell at the best of times.
I do not work for IIB by the way - just hate to see the way some people refuse to value a lender when they are doing someone a favour. Guess some of the younger posters here don't have any experience of "hard times"
Take the deal on the table if you must but don't show any loyalty, reassess the best deal available within a year (most brokers include this in their service)
if i was buying agri land and an uninhabitable house and i tried every other lender and was refused then, i would consider IIB as having been quite good to me - remember the security offered in this case is hardly gilt edged!
I presume that they can pay the clawed back commission from the commission they'll get on the new deal. Haven't been through the process but was told it was part of the service. It's in their interest to facilitate people to get a better deal rather than lose them entirely
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