FTB or not?

Mr_E_Man_2

Ah, I've just googled you and you're a Valuer PMSL. No wonder you have so much time to post on here and you seem so peed off.:rotfl:

Mr_E_Man_2

Oh my god. It gets worse. Is this you, from the Robert Sterling website:

"Arwel has assisted the government with the Home Information Packs initiative playing a leading role in the development of the scheme as a member of the Housing Strategy Forum. He is a regular contributor to the media writing articles for the national and trade press and appearing on national television and radio."

You helped to bring the dreaded HIPs out. What a fool you must feel.

Mr_E_Man_2

It may not be you who give the Mortgage Advice, but this bit from your Financial Services department is a rip off!

"WE NORMALLY CHARGE NO FEES ALTHOUGH DEPENDING ON YOUR CIRCUMSTANCES
A FEE OF UP TO 1.5% OF THE MORTGAGE AMOUNT MAY BE CHARGED"

And I notice you are Estate Agents as well. How many massive bites of the Cherry do you want to take?

Robert_Sterling_3

What makes one an expert witness in a financial court case?

For a definition of what an Expert Witness is google it up.
Enter "Definition Expert Witness" this will give you the legal definition.

Robert_Sterling_3

He-Man "Is this you, from the Robert Sterling website"


It is a lovely name. ( Robert Sterling I mean )

Robert_Sterling_3

Mr_E_Man wrote: »

It may not be you who give the Mortgage Advice, but this bit from your Financial Services department is a rip off!

"WE NORMALLY CHARGE NO FEES ALTHOUGH DEPENDING ON YOUR CIRCUMSTANCES
A FEE OF UP TO 1.5% OF THE MORTGAGE AMOUNT MAY BE CHARGED"

And I notice you are Estate Agents as well. How many massive bites of the Cherry do you want to take?

Keep pluging away.

Robert_Sterling_3

I have just made a visit to the He-Man web site.

I did not jump to the conclusion that it is yours.

Robert_Sterling_3

Mr_E_Man wrote: »

Surely it's up to the lender whether they will treat them as a First Time Buyer. Your opinion matters not one jot.

The lender does not want to know whether or not the OP is a first time buyer.
They are interested in his/her credit worthiness.
It is the Estate Agent who wants to know and he is the one who said he was a FTB in the first place.

Mr_E_Man_2

Robert_Sterling wrote: »

The lender does not want to know whether or not the OP is a first time buyer.
They are interested in his/her credit worthiness.
It is the Estate Agent who wants to know and he is the one who said he was a FTB in the first place.

Where do they say they are a first time buyer? This is what I read:

"I was asked the other day by an EA if I was a FTB - well technically no I'm not, but I dont currently have a mortgage or own a home - he said I was considered a FTB, but I noticed that the Halifax difinition of FTB says that you must never have owned/had a mortgage on a property, which I have".

anniecave

Mr_E_Man wrote: »

Where do they say they are a first time buyer? quote]

benjo wrote: »

....

I was asked the other day by an EA .....

he said I was considered a FTB,