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looking for mortgage

snappy0301
snappy0301 Posts: 2 Newbie
in Mortgages & endowments
help, i'm looking for a mortgage, i've sold my house and looking to downsize, i've applied to northern rock and been declined due to credit check. i've performed my credit score and it was 791 in may and repeated it last week and it was 999, i've had my current mortgage with nationwide for last 4 years with no missed payments. i need some advice as i don't know what to do next.

Comments

  • justjohn
    justjohn Posts: 2,260 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Use a broker?

    Alot easier
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    Have you got a copy of your credit file?

    Are there any missed payments etc on there?

    Any entries on there that should not be?
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • snappy0301
    snappy0301 Posts: 2 Newbie
    i have got a copy of my report and all accounts come up as satisfactory
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    What figures are you looking at?

    Purchase price and deposit? Your income? Any other debts?

    Trying to see if there is any other reason for the declince
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Conrad
    Conrad Posts: 33,137 Forumite
    10,000 Posts Combo Breaker
    Why do some OP's give us scant info? How on Earth would they expect any kind of sensible feedback???????

    For example are you wanting £500,000 or £50,000? Are you aged 30 or 60? Is your income £10k or £100k

    arghhhhhhhhhhhhhhhhhhhhhh
  • mrs_skint
    mrs_skint Posts: 281 Forumite
    sorry - what's an OP??
    My LBM - December 2010!

    Q.Q: £726; Payday Exp: £650; WDA: £375; L.S: £779; PDP: £649; 24/7 Money: £130
    Provident: £1,700
    Black Horse: £3,471
    TOTAL: £8,480 :eek:
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    OP = Original Poster
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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