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Declined Mortgage - Nationwide
julia78
Posts: 44 Forumite
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Comments
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Talk to a broker who can find a suitable lender.0
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Obtain the other versions of your credit file and have a broker look over them. Some lenders only give information to one CRA and some only take information from one CRA.
There may be options if one of your credit files is clear.
Equifax
https://www.econsumer.equifax.co.uk/consumer/uk/order.ehtml?prod_cd=UKSCR
Experian
http://www.experian.co.uk/consumer/statutory-report.html#orderReport
CallCredit
https://www.callcredit.co.uk/stat-report-online/index.php?action=basket_add&tpl=setRegister&package=63&amount=1&mode=clear
The £2 paper ones are fine. Do not pay for "credit scores" as they are a waste of time and money.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
When were the arrangements to pay settled?
Electoral roll is easy to rectify. Though unfortunately not possible to backdate. When did you last register?0 -
£2 paper files only, as suggested.Experian wanted a £14.99 fee instantly due to doing a free report back in 2009
That is not a logical conclusion. As I said, many lenders supply information to only one CRA and others take information from one CRA.the one I got was Equifax. Tbh i think they will all be same as what was on the report is correct.
There have been plenty of cases where I have found a lender from the disparity between credit files.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
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With 2 payment plans in place its going to make it very difficult and potentially quite expensive. You dont say what the purchase price is but presuming its £80k plus then there could be options.
Why have you not paid the plans off with your deposit?I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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