Mortgage Declined due to no british passport

Mrslangford

Hi,

My partner who has the right to live in the UK (has been for nearly 12 years) but doesn't have a british passport, he applied for a mortgage on a flat, got all his debts cleared and his defaults only for the mortgage lenders to decline it after 6 months due to the fact that he doesn't have a British passport. :mad:

Could someone advise on this as his solicitor is saying that after all the hassle and the money invested nothing can be done.

Any help would be really appreciated URGENTLY! We really need this flat before we get married and things are starting to get desperate!

Thanks,
Mrs Langford.

brightonman123

erm, get a passport? does he have right to remain/live etc in the uK? that may put lenders off, if exportation even slighty possible..

kingstreet

You are married to him and you are a UK citizen? Edit - You're Mrs Langford, but not married to the subject yet? Sorry, I misread. You have to buy this before you get married?

He has permanent right to reside?

Which lender did you approach? Which others have you tried?

kingstreet

From Halifax criteria on intermediaries site;-

Passport required to verify right to live and work in UK for all applicants except EEA nationals.

Applicants must not enjoy diplomatic immunity

If not and client is a non EEA National... (EEA Nationals include citizens from the following Countries: Austria, Belgium, Cyprus (Greek Cypriot only), Denmark, Finland, France, Germany, Greece, Iceland, Eire, Italy, Liechtenstein, Luxembourg, Malta, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland.)

Passport includes indefinite leave to remain - proceed

Passport does not include indefinite leave to remain but includes work permit or visa with minimum 2 years 6 months to run - proceed

Please ensure that if the passport has a visa stamp and if this stamp has specific conditions attached that any documents that refer to these conditions are submitted with the passport, i.e. if the visa says ‘As authorised by the secretary of state’ then the work permit and a letter from the employer confirming that they have applied (or intend to apply) for the permit to be renewed are submitted

If not, where work permit has less than 2 years 6 months employer must confirm that they have applied (or intend to apply) for the permit to be renewed - or

Where UK ancestry visa, applicant must be in minimum of 4th year of continuous employment in UK (any number of employers). Evidence of continuous employment required - proceed

Some Non-EEA nationals may have an identity card issued by the home office in place of a visa, which will confirm the customer's right to stay, work or study in the UK. These cards are acceptable.

If none of the above apply the case can not proceed.

Citizens from Czech republic, Estonia, Hungary, Latvia, Lithuania, Poland, Slovakia & Slovenia, who entered the Country prior to 1st May 2004 are treated as all other foreign nationals as above. Any citizen who entered after 1st May 2004, maximum LTV is restricted to 75%.

Refugees

Refugees/asylum seekers must have indefinite leave to remain, which must be verified by the documentation from the immigration & nationality directorate. This will consist of a letter confirming that they have been granted "Indefinite leave to remain". "Exceptional leave to remain" is not acceptable.

Spouse/Partner of UK National

Income can be used once they have been granted permanent residency.

Passport mentioned above is that issued by applicant's own country which would show right to remain details.

Mrslangford

We're not married yet but he lives in a small room in a house share and I can't buy as I'm tied up elsewhere. He has the right to remain in the UK (indefinate) and does not need any permits etc as he's also a full time employee in the UK and has been in the same company for 5 years.

Yes, he could get a passport but until now he's never had any issues even opening a bank account or getting any other type of credit so he we never thought that this would ever happen. Bank and solicitor say this is unfair but it's something to do with the underwriters?

Mrslangford

the lender was Nationwide

beecher2

I don't understand the desperation. Why not rent while you get things sorted out? Go to see a mortgage adviser to see what is the best approcah to take now.

Mrslangford

I come from an Indian family and they won't allow us to get married before the flat is done. It's personal.

beecher2

Mrslangford wrote: »

I come from an Indian family and they won't allow us to get married before the flat is done. It's personal.

Wow. I find that truly incredible.

See a mortage adviser and see what can be done.

Mrslangford

learn something new everyday huh? :-(

kingstreet

So he's from India originally?

If so, his Indian passport should have his right to reside stuff in it.

Pop along to the local Halifax branch and Robert is your mother's brother, so to speak?

Or what beecher said!