The Broker Blues Thread

BaileyMoselle

Vok wrote: »

I will call broker tomorrow. But will really like get an idea of timescales from anyone that has used Natwest lately.

Six weeks from application to offer with solicitor.

catieeb06

Did any of you used to read The Insider on Mortgage Solutions?

What on earth happened to that? It used to give me a good chuckle once a month. Much needed relief at times.

kingstreet

Submitted our first ever NatWest HTB - MG application last week, 26th March.

Faxed required documents to them same day.

Just had a call to say application agreed, no other requirements and valuation instructed.

Not bad so far...

amnblog

Santander just turned around a purchase application for us from app to offer Wednesday am to Saturday am.

What was especially pleasing was the fact that the clients came to us on the back of a decline from their main bankers.

Almost makes up for all the times when lenders get it horribly wrong.

stephenni1971

Trying to place a case on a holiday let which has an s106 ( full time occupation forbidden ).

Other than the Welsh one and the one in W Yorks any other ideas? Small niche lenders?

It's a referral from a good client and I'd like to help but not holding much hope...

benjus

kingstreet wrote: »

I've just been having a giggle reading through the 'malapropisms' thread on my favourite football site.

Thought I'd share a few;-

damp squid
escape goat
solemn oaf
tempting faith
baring a miracle
fraudulent slip
pass mustard
mute point
tow the line
pedal stool
dangerous president
neon nazi
mister meaners
baron spell
mask murderer.

I know some are a bit 'homophoney', but still funny.

Just browsing through this thread and finding it quite entertaining. I know that my broker worked hard for our mortgage and I'm glad we used him.

Anyway, I thought I'd point out that "escape goat" isn't really a malapropism. The term was coined by William Tyndale when he made the first English translation of the Bible to translate the phrase "goat that departs/caper emissarius". He wrote it as 2 words, "scape goat", where "scape" was an alternative form of "escape" used at that time. It later got condensed into a single word. So "escape goat" is essentially the original English translation of "caper emissarius".

kingstreet

benjus - thanks for that.

Although it completely ripped all the humour out of it!

amnblog

I did Latin at school but 'escape goat' is still funnier than 'caper emissarius'

kingstreet

stephenni1971 wrote: »

Trying to place a case on a holiday let which has an s106 ( full time occupation forbidden ).

Other than the Welsh one and the one in W Yorks any other ideas? Small niche lenders?

It's a referral from a good client and I'd like to help but not holding much hope...

A local building society close to the property location?

Can't think of an obvious solution, sorry.

Senior_Paper_Monitor

Here's my contribution for the week (extracted from a message to unbiased and our network asking them to promote the problem for those who are not aware) .....

we believe that a group of scammers are now targeting mortgage brokers (sensible as we are used to making lengthy difficult calls - at our cost - to assist confused, foreign, demanding potential clients as part of our day to day business) with an 070 / 076 premium call fraud.....


http://consumers.ofcom.org.uk/news/consumers-warned-about-070-missed-call-scam/

We have received several contacts (call back requests from our own site and other online promotions such as unbiased (see below), ring off and/or voicemail requests) in the last few weeks.


Obviously, these look like a mobile phone number but (as explained on the ofcom link above) they are not and it is easy to rack up some considerable costs calling these (apparently naive, but actually well practised) crooks as they take you through a time delaying discussion on their needs.


Despite my noting this issue around a year ago and formally warning everyone in the office I actually found myself calling the enquiry via unbiased below without spotting the 070 number, fortunately identifying the 'style' within a few seconds and binning the call with some Anglo Saxon that I suspect my new Mexican chum could almost certainly understand.


A quick snap shot of our current bill (showing chargeable items ) shows a handful of experiences that have got through so far …

01491200331
07/04/2015
0:15:23 6.960
14:20:00
07011 77 0280

£6.960

01491200331
09/04/2015
17:46:00
07011 77 0279 – see enquiry below
0:01:30

£1.000

01491200221
07/04/2015
14:36:00
07011 77 0280
0:15:24

£6.960


I would suggest that Unbiased should run a campaign to make sure its clients are aware of the risk, which I suspect will become endemic in the next few weeks.


Brgds
Tim Stevens

---

Original Message

---

Subject: You have a call request from unbiased.co.uk


From:[EMAIL="noreply@unbiased.co.uk"]noreply@unbiased.co.uk[/EMAIL]


Date:Thu, April 9, 2015 3:44 pm


To:[EMAIL="janet@themortgagelady.co.uk"]janet@themortgagelady.co.uk[/EMAIL]

---

A consumer viewing your profile on unbiased.co.uk has requested you call them back, please view the detail


below:


Company name: xxxxxxxxxx


Branch viewed: xxxxxxxxxxxx


Postcode of branch viewed: xxxxxxxxx


Name: Carlos Avelino


Phone number: 07011770279


Enquiry: i need a mortgage adviser please call me a.s.a.p thanks.