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The Broker Blues Thread

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Comments

  • Mortgage_Mark_2
    Mortgage_Mark_2 Posts: 857 Forumite
    Yep, I probably submit an average of 100 applications to Halifax a year and they're an absolute joy to work with.

    I had one case that offered in two hours, at the end of last year...
    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.
  • ACG
    ACG Posts: 24,706 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Thats not broker blues!

    This is for moaning about how bad our job and life and lenders and clients and anyone else is :-)
    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.
  • Gonzo33
    Gonzo33 Posts: 440 Forumite
    Skipton and their stupid website that keeps crashing.......grrrrrr

    Santander and their stupid website that keeps crashing.

    Clients that 'forget' to tell me about a change of name and adverse credit associated with that name to the tune of £xk CCJ's. I often wonder why I ask that question in my factfind!
    Grab life by the balls before it grabs you by the neck.
  • kingstreet
    kingstreet Posts: 39,333 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ACG wrote: »
    Thats not broker blues!

    This is for moaning about how bad our job and life and lenders and clients and anyone else is :-)
    It's bookmarked and easier to find and I didn't want to start a new thread, so a bit of good news in here won't kill you! ;)
    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.
  • Gonzo33
    Gonzo33 Posts: 440 Forumite
    kingstreet wrote: »
    Halifax application submitted on 11th.

    Single payslip faxed 11th.

    Valuation done 14th and case offered 15th.

    No strings pulled, or escalations. Just "normal" service. I presume the surveyor was already going to the site yesterday.


    I love it when this happens.
    Grab life by the balls before it grabs you by the neck.
  • Mortgage_Mark_2
    Mortgage_Mark_2 Posts: 857 Forumite
    ACG wrote: »
    Thats not broker blues!

    This is for moaning about how bad our job and life and lenders and clients and anyone else is :-)

    For a bit of balance...

    A Natwest case I submitted a while back needed further information (builders quotes - remortgage for home improvements). Information faxed 7th July, call to them on 10th and "we don't have access to the fax machine today so call back tomorrow"; call on 11th and they tell me they've "found the fax, it hasn't been uploaded on the system, we'll do it within the hour - call us on Monday to get confirmation that this is ok". Call today results in being told firstly that it was "uploaded on Monday" then that it was "uploaded Friday", and advised that the underwriter had passed it to his manager - but not sure when it was passed to them, today or yesterday. Unsure when we will have an update.

    Gotta love Natwest.....not.
    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.
  • kingstreet
    kingstreet Posts: 39,333 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Can someone clarify for me?

    BDM harder to find than Lucan.

    Woolwich BTL - won't lend to someone from Netherlands, an EU citizen, as he does not have permanent right to reside in UK.

    Is this for real? :eek:
    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.
  • GMS
    GMS Posts: 5,388 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Non UK residents must already have a BTL mortgage with Barclays as far as know.


    Somebody getting confused at Woolwich maybe?
    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.
  • amnblog
    amnblog Posts: 12,767 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It is just me, or has anyone witnessed the telephone voice prompt system at BW working?

    I am often to be heard shouting 'mortgage broker' or 'I don't have it' down the handset half a dozen times.
    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.
  • kingstreet
    kingstreet Posts: 39,333 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    GMS wrote: »
    Non UK residents must already have a BTL mortgage with Barclays as far as know.


    Somebody getting confused at Woolwich maybe?
    They are UK resident homeowners.

    He's Dutch, she's Nigerian without ILR.

    Woolwich are saying they won't lend to either of them without permanent right to reside.
    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.
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