Who's the least pickiest?

Jojo1daffy

Mortgage lender that is. I've read on here of HSBC being the pickiest, so who's the least?

cj678

There all picky....times have changed since i got my mortgage 5 years ago...im remortgaging at the moment borrowing 62% LTV and its tough getting a decent rate. Northern Rock used to be less picky but there bad now...they wont offer deals to NRAM customers coming off fixed rates. It just depends on your credit score...im paying some credit cards off as a result but if i hadnt had them i would of got a better rate cos my LTV value would of been better. Its all down to your own circumstances I didnt use a whole of the market broker which i wouldnt make the mistake again....they deal with all the smaller lenders but even some of them are worse than the big banks. Theres loads out there so see a broker and they can try and match you up with someone who will accept you.

GMS

Impossible question to answer.

All depends on the circumstances of the individual. Some lenders will not do certain types of property whilst others will. Does that make the one who wont picky?

Affordability varies, criteria varies, credit score or no credit score etc.

Too many variables.

If you are concerned about your application to a lender then make sure you know all of the criteria before application.

May be worth a chat with a 'Whole of Market' broker to see your best way forward

whatyadoinsucka

all the least picky are either out of business or government controlled



at the end of the day
if you are money conscious, have reasonable expectations, a solid deposit, reasonable levels of income
you will get a mortgage, most people who fail mortgage applications either want too much, or have poor credit historys

Its pretty simple, would you lend to a friend of a friend (you didn't know) £100 if you couldn't see a good safety net, realistic payment plan.. No so why should a bank

Meeper

I read this question as "Which lender can I get away with not telling all the facts to, or hide some information"......

Maybe it's just the cynic in me.

RecoveringAlcoholic

I was told that Royal Bank of Scotland lent money to anybody who wore a kilt and drank whisky.




:beer:

Jojo1daffy

Oh you lot are so suspicious and cynical. I read as an answer to another post that someone posted 'HSBC are the pickiest', out of curiosity I wondered so who is the least. That. Is. All. Not because I want to defraud a lender fer gawds sake.

Peelerfart

"suspicious and cynical" US ! do you think? really!

:rotfl:

Meeper

Instead of "suspicious and cynical", I prefer "experienced.

Burridge60

Worldly wise maybe!