Santander Application

Jonathan1985

i know. i am using the same broker for next house purchase, suppose thats the only reason he is updating me.

i would rather santander just say No to them at this stage. is there any other lender that would consider the Nannys wage?

Dave_Ham

Oh yes - Santander were a former giant of flexible lending, however clearly they took this a bit far and are now the opposite.

These Estate Agent brokers (argh....!) this is not the done thing and is a clear conflict of interests, would not surprise me at some point if you get a new buyer as they cannot place this one.

Yes they will get a mortgage (subject to other variables) but not likely to be with HSBC, First Direct, Nationwide or Accord or quite likely Santander!

Would have a quiet word with the broker - genuinely wish you some luck as they may well back it and no cause for worry..

Jonathan1985

Thanks for help - i will update everyone as soon as possible

Thrugelmir

Jonathan1985 wrote: »

My mortgage advisor is now saying they have asked for previous employment history of the nanny, also how long the work is going to last?

How can this be evidenced….

Why is your mortgage advisor informing you of their personal situation?

Jonathan1985

I don’t know why he is informing me…. I don’t really care to be honest because it benefits me to know this.

lee_w

Santander were amazing for us, online phone application took 2 hours, sent the 3 months wage slips for me and my partner and received a mortgage offer a week later

Jonathan1985

Update - Santander have now asked for one of the buyers P60 - what could they be looking for with this ? do they allow gaps in employment etc

charlie3090

i have to agree with lee_ws post,santander have been fantastic for me,renewed when my deal finished,best deal i could find.
they get knocked a lot but for me they have been brilliant(more than i can say for h----x,after 25 years with them:)

Jonathan1985

any idea's what they look for in a P60?

MagicCats

Your buyers (intimate) personal financial situation is none of you business whatsoever. Your only concern, and your solicitor / EAs concern is whether they can exchange and complete.

I would suggest you make a decision now on whether YOU want to proceed. You are very well informed to date of the buyers progress given that your broker has broken all the rules of data disclosure.

You need to stop accepting the information and make a decision, and the broker needs a rap on the knuckles.