Residential Status options not applicable

Penn

The eligibility checker on this site only has four residential statuses, none of them apply to the applicant. The applicant lives with a single mortgage homeowner (not parents) and does not pay towards it.

Options are:

• Homeowner
• Private Tenant
• Council Tenant
• Living with Parents

These statuses also appear to carry across the other eligibility checkers on lender's sites.

Fluid customer service were useless, after 20 minutes on the phone and 5 transfers later, not one person I spoke to could help and on the 6th transfer they cut me off.

Can anyone help? I see no way of progressing with the eligibility check, let alone an actual card application.

Hazzanet

Private tenant?

Penn

Hazzanet wrote: »

Private tenant?

Does not apply, as per the original post.

Applicant does not rent a property from a landlord.

unimaginative_user_name

Private tenant would be the closest. It's what I tend to put as our house comes with my husband's job and that's hardly ever an option!

Penn

unimaginative_user_name wrote: »

Private tenant would be the closest.

Agree, but it's not the correct status so I would not want the applicant to select it. It also doesn't reflect their financial status so more risk of not being accepted as a result.

I'm looking for help in what can be done to combat this, I am amazed there is not an 'Other' option.

InsideInsurance

What is your relationship to the owner? Partner? friend?

Penn

InsideInsurance wrote: »

What is your relationship to the owner? Partner, friend?

I am the owner, applicant is my partner.

JimmyTheWig

Penn wrote: »

I am amazed there is not an 'Other' option.

The thing is, an "other" option wouldn't help the company with the application. At least if you pick the option that is most like the reality it gives them some sort of indication.

I'd be tempted to go with "living with parents" as the closest option. I know you're not his mum but, financially, it is very similar.

InsideInsurance

Penn wrote: »

I am the owner, applicant is my partner.

For a long term partner I would choose homeowner. They presumably do contribute to the household even if it isnt explicitly a set amount of money that is explicitly for the purposes of paying the mortgage.

Penn

InsideInsurance wrote: »

For a long term partner I would choose homeowner. They presumably do contribute to the household even if it isnt explicitly a set amount of money that is explicitly for the purposes of paying the mortgage.

Correct, no payment towards mortgage but contributes towards the running of the house.

JimmyTheWig

InsideInsurance wrote: »

For a long term partner I would choose homeowner. They presumably do contribute to the household even if it isnt explicitly a set amount of money that is explicitly for the purposes of paying the mortgage.

But would they not then expect to see an outstanding mortgage on the applicant's credit file? And if they don't see one, would that imply living mortgage free, which the applicant isn't?