Santander mortgage application problem

CazuaLL

Thanks alot, I mean if this was my fault and the actions of myself I could understand it. But to be honest comparing myself to others this is ludacris and we have a little girl here in 5 weeks and ive done all I can and I really hope wednesday is good news!

san09

To be honest I think you're a victim of the crackdown on the easy credit the banks and mortgage lenders used to grant.
Their criteria is just so tight now that it leaves even the most able behind.
I'm sure there will be a way around updating your credit profile with the bank. Hope you get your wish in time for the birth of your little daughter.

CazuaLL

Lets hope, I mean ive done all I can and have got a good deposit together so tbh if it doesnt get accepted i want to see exactly why

poppysarah

Needing to claim benefits to pay a mortgage doesn't inspire me with confidence.

CazuaLL

poppysarah wrote: »

Needing to claim benefits to pay a mortgage doesn't inspire me with confidence.

What a post full of idiotic ignorance, I will be paying the mortgage/rent/service charge and bills out of my wages. and the mortgage advisior knows this.

The benefits are there as we are entitled to claim them as we have a new born baby on the way. And I work hard and pay my taxes so please do not post with such simple minded comments!

Thrugelmir

CazuaLL wrote: »

What a post full of idiotic ignorance, I will be paying the mortgage/rent/service charge and bills out of my wages. and the mortgage advisior knows this.

The mortgage advisor is not the decision maker for your application.

Have you drawn up an expenditure budget ? To see if the property is affordable considering that you will have 2 dependents to support.

GDB2222

CazuaLL wrote: »

Thanks alot, I mean if this was my fault and the actions of myself I could understand it. But to be honest comparing myself to others this is ludacris and we have a little girl here in 5 weeks and ive done all I can and I really hope wednesday is good news!

Well, what is your credit score? Have you checked it yet?

CazuaLL

Thrugelmir wrote: »

The mortgage advisor is not the decision maker for your application.

Have you drawn up an expenditure budget ? To see if the property is affordable considering that you will have 2 dependents to support.

Yes ofcourse I have done this and it is still affordable definately, I wouldnt be applying to put myself in money troubles

CazuaLL

GDB2222 wrote: »

Well, what is your credit score? Have you checked it yet?

No I have not, Id rather not pay £15 to find out lol but I have looked at my credit report and I have 3 on going credit agreements which are hardly any money a month and 9 that are settled, so tbh im pretty sure its good.

Really got my fingers crossed for wednesday, cross your fingers for me too!

GDB2222

You can get your credit score free - and get quidco. Just remember to cancel within the month.

http://www.quidco.com/credit-expert-free-30-day-trial/

I'm guessing that on a scale of 1 to 999 your score is under 300, which is where your problem comes from.