Lender asked for residence permit

ginvzt

Hi,

my husband and I are in the process of buying a house. We have applied for the mortgage with Nationwide and had survey done. Now Nationwide has asked me to produce a EU residence permit and Worker registration card. I am from one of the 8 new EU countries that joined EU in 2004. My husband is from Italy and he doesn't need to provide any documents.

I do have the Worker registration card, but to obtain the EU residence permit (also known as registration certificate) I need to work in the country for 12 months. I have been living in the country for over 3 years while studying at a UK university.
I want to stress that I do not need permission to reside in the UK, as it is granted by the EU treaty, just a paper re-stating what the Home Office itself says is not necessary to state.

What do you think I should do to convince the lender?

mr.broderick

This is a strange time of the application to be asking for work permits etc isnt it? Would have thought all this would have been done before survey, have you used a broker?

ginvzt

mr.broderick wrote:

This is a strange time of the application to be asking for work permits etc isnt it? Would have thought all this would have been done before survey, have you used a broker?

We consulted the broker, but we went straight to Nationwide without any broker. We filled the application at the branch. When asked are we permanent residents, we replied that we are (which we are without a doubt and the lady agreed).

mr.broderick

Someone will be along shortly to answer this question, we have mortgage brokers who regularly read this forum...maybe they have come across this before..

ginvzt

Has anyone came across this? I am trying to contact Nationwide all morning, but no one is answering the phone!!!!

ginvzt

I talked to the lady at Nationwide, and explained the thing about residence "permit" only given after 12 months of workers' registration scheme, and also the fact the home office says the permit is not necessary at all, but she kept saying "i can only see what's on nationwide page, I can't read other websites, etc."
So then I said, what about my husband, you haven't asked him for a residence permit! And she says, oh, that's different, 'cause he's Italian.
Differerent my foot! The EU citizens have all the same rights to work and live in the UK (with the possible exceptions of the latest two countries)
She then calls back after an hour or so, saying they don't need the residence permit anymore because I'm married to an Italian, and so I share his rights. Yeah right!

Doozergirl

I'm glad you got it sorted in the end. Beaurocracy is such a pain in the backside sometimes!

I hope you are very happy when you finally get to move in.

mr.broderick

result...sorry noone else helped