Mortgage application without landline number 28 February 2014 at 1:19PM in Mortgages & Endowments 5 replies 1.4K views

Dubito_ergo_sum

Hi

My 12 months land line contract is ending in april and as im not really using it - using mobile and face time / skype instead, i would like to cancel the service. However i have read that it looks bad if one provides a mobile rather than a land line on mortgage application ? is this true or urban myth and how much difference does it make all other things being equal ?

I would be keeping the land line just for this one purpose and im seldom home and no land line voice mail so its tempting to cancel, but am i shooting myself in the foot re mortgage application ?

Thanks

kingstreet

We do plenty of applications with nothing but a mobile number.

I think the landline thing is well out of date now.

ACG

Ive done applications with the same mobile number for both applicants before now because they share it.

Actually on one i had put down something like 070000000000 and it still passed (they didnt want their mobile given out).

Dont worry about it.

Wh05apk

ACG wrote: »

Actually on one i had put down something like 070000000000 and it still passed (they didnt want their mobile given out).

So you submitted fraudulent information on an application?



I think where an application is marginal, it may just make enough difference to push it over into accept, but as long as you have other credit etc to prove yourself, and everything else stacks up, I don't think it would be worth keeping just in case.

kingstreet

Going back about fifteen years, Halifax BDM told us to ensure all phone numbers were completed, enter from the applicant's 16th birthday as the period they have a bank account and if you had enough time, the applicant should get a M&S Chargecard as they scored gazillions of points...

Those were the days...

ACG

One of the first applications i did i put my own phone number in (by mistake).I amended it pre offer though.

When i worked for co-op bank they said a landline used to improve the score they gave an application but had no impact now.