Which lenders are easier to get mortgages with?

blondends

Hi,

My wife and I need to get a mortgage in principle to proceed with our offer on a house. I have found mortgage products from the following lenders which suit our requirements... (5 year fixed, 75% ltv)

RBS
Halifax
HSBC

Does anyone know which of these are going to be the more relaxed lenders? We have had a AIP declined by Nationwide (advice of our original broker to try them because they were the strictest and would highlight any credit issues).

Cheers!

_Andy_

Hi

You need to be more specific about what you mean by 'relaxed'.
What credit issues are there exactly?

blondends

Well - My wife had an issue with a credit card when she was a student (about 5 years ago). On her credit report from experian it gives an '8' for this credit card. Other than that nothing else other than we have move house a number of times in the last 3 years (about once a year).

Is that enough info?

Trollfever

RBS
Halifax
HSBC


The first two are owned by the taxpayer.



.

_Andy_

Sounds like it's a credit scoring issue rather than adverse. Frankly your broker made a bad move suggesting NW as I believe that would be a straight decline due to the number of house moves.
Abbey would be worth a punt (albeit not on your list). HSBC are reasonably strict but would be worth a go as they do a soft credit search.

talkalot

Abbey are a nightmare to get a mortgage with at the moment. Found HSBC to be very good they even gave me a re mortgage and I have just completed a IVA.