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The Broker Blues Thread
Comments
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There was another standard homebuyer product that had similar issues, and in fact every time you went to produce a KFI on their online system you got the dreaded 'Due to technical difficulties...'I am a mortgage adviser.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.0
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App was done on 12th, it only came to light when we had an alteration and had the "re-quote" "resubmit" stuff.
I'll take it to network compliance director, if necessary.
"Penny accurate" is the description, if I remember correctly...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 -
I've got someone with irregular variable earnings as follows;-
Apr 14- £869
Mar 14- £0
Feb 14- £0
Jan 14- £0
Dec 13- £0
Nov 13- £0
Oct 13- £674
Sep 13- £1630
Aug 13- £2189
Jul 13- £332
Jun 13- £5175
May 13 - £0.
Basic of £23k with P60 earnings for 13/14 of £34k. Can anyone think of a lender which will lend more than basic under the new regime?
TaI 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 -
What does the income show as on the payslip, overtime, commission, bonus etc.?I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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 -
"Short Tour Allowance" on the April 14 copy.
He's getting the others together for me tonight.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 -
Just in case not all on e-mails, looks like today is the last day to submit applications for Halifax Stamp Duty Incentive.
Kingstreet- if you got details from your irregular income client and still looking for a lender, feel free to pm and will have a thinkI am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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 -
Got it done, thanks mate.
Over 75%, average of last two years' P60 earnings, under 75% latest year's P60.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 -
Does anyone know of a lender who would take carers allowance into consideration for income?0
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Just sat on hold for around 25 minutes to woolwich.
Got through to someone and forgot what i was calling about. hung up and yes you guessed it... remembered!
An hour of my life im never going to get back.
All because they are saying a loan (which has been paid off) on someones credit file has not been declared. Have a guess who that loan was with...
Surely this should be a piece of ...... to check!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 -
Just sat on hold for around 25 minutes to woolwich.
Got through to someone and forgot what i was calling about. hung up and yes you guessed it... remembered!
An hour of my life im never going to get back.
All because they are saying a loan (which has been paid off) on someones credit file has not been declared. Have a guess who that loan was with...
Surely this should be a piece of ...... to check!
They are to be commended on their consistency ACG - I got through in 25 minutes yesterday!I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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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