Mansfield Building Society

christologymum

Morning all

Im just wondering someone I work with has recommended these as they manually under right rather than credit score.
Can anyone tell me what this will involve, I know they are still going to examine credit files/bank statements but if it is a person rather than a computer are they more likely to take into account circumstances, ie a failry recent missed payment on a mobile phone for a very small amount, when everything else looks fine on credit file. Looking at 95% ltv which is the sticking point.

Any advice welcome.

PS we live in the right area for lending.

kingstreet

A human being looks at the case and compares it to the lender's criteria and decides if it fits.

Not much more to say, really.

christologymum

Ok thanks the criteria mentions ccj's and defaults no mention of late payments.

kingstreet

Ok. Let me re-phrase that.

A human being looks at the case and decides if he fancies signing his name and job to granting your mortgage offer based on the lender's usual lending practice.