mis-sold mortgage few years ago?

pesente

Hello newbie here, just got a quick question.
My husband had a mortgage with Natwest a few years ago and when he moved in with me his morgage was coming to the end of a 2 year deal. we wanted to move the mortgage from his flat (when sold) and buy my house (rented) his bank manager agreed we could do this after being told all the details so hubby took out another 2 year deal with natwest! once the flat sold we approached Natwest to move mortgage to my property we were then told that as my property was a pre-fab that they would not mortage the house so we were stuck with a 2 year deal that we didnt want or need?? to get out of this mis-sold deal cost us £2k!!!
could we reclaim this as a mis-sold product? what evidence would we need? any help or advise would be great.
Thanks Guys

dunstonh

It depends on how close the switch to the new deal was and when the property was sold.

Technically, they will port the mortgage and deal to a new property providing you meet lending criteria at that time. The mortgage adviser would make income and affordability checks but they wouldnt know that the property is non-standard unless you tell them or when the valuation comes back.

In some areas, non standard construction is quite common and mortgage advisers will often pre-empt it and ask you if its non standard. However, in areas where its rare they will not.

what evidence would we need?

evidence that you told him when the deal was bought that you wanted to port the mortgage to a non standard construction property.