Mortgage Company & Consent to Let Refusal

silvercar

Thrugelmir wrote: »

Inclusion on the National Hunters Database. Which is a sure fire way of trashing your credit record for a very very long time with all the UK's major lenders.

Without trust there's no business relationship. Once lost hard to regain.

National Hunter only stores information that applicants have given to financial organisations.


"What data do we hold?
The detailsof applications our members receive for products such as mortgages, credit cards, loans etc. The information that is held relates only to applications made to our member organisations, and consists only of the application information supplied by the applicant(s).

We do not hold any credit scoring records, credit histories, information concerning County Court Judgements (CCJs) or bankruptcies, nor do we store Electoral Roll information."

http://www.nhunter.co.uk/faq.html

Thrugelmir

silvercar wrote: »

National Hunter only stores information that applicants have given to financial organisations.

Members can also mark individuals as "refer". To highlight that there has been an issue at some point. No organisation wants a bad risk if they can avoid it.

serious_saver

How many rooms does the property have?

If it has two or more rooms could you keep a room for yourself and take in a lodger/lodgers in the short term? Under the rent a room scheme you can get up to £4,250 per year tax free. Any money over this amount would still need to be taxed. The property would still have to be officially classed as your main home but you would also still have access to it of you wanted to go back to the area to visit friends family etc.

Of course you wouldn't get the same return as you would renting the whole property but you would probably be able to cover your costs.