Mortgage Valuation - advice please

kingstreet

In my recent experience of around 25 mortgages a month, two years' SA302s is the norm. There may be the odd lender who asks for longer, or an accountant's certificate, but that isn't the norm.

Sorry you seem to have a problem with people trying to establish who you've spoken to to try to establish best how to help you.

You appear to have accurately chosen your username. In later life Jack Howarth lived in the Midland Hotel in Manchester and was equally as curmudgeonly as his character.

Albert_Tatlock_2

I'd've thought "they" was pretty clear - any lender I have spoken to. For the record its TSB, HSBC, a couple more, i can't remember.

"Curmudgeonly" - nice.

Apologies if i was sharp. I've just come off the phone with an obstructive advisor after being on hold for an hour.

VFR-Rider

Wow. Just wow.

Calling one of the most knowledgeable and helpful people here a pendant? When he's an expert in the field you're asking about?

'm going to go with "wow" again.

kingstreet

I spend all day on the phone to lenders, listening to crummy hold music and being told answers I know are wrong...

It sounds like you'd be better off speaking to an independent broker, rather than calling around lenders getting more and more frustrated.

I asked who "they" meant, to try to get a feel for the kind of lenders you had spoken to. HSBC doesn't surprise me. TSB is too new to have much of a reputation, but the Lloyds Group as a whole is normally happy with two years'.

Have you now established your existing lender won't give you the opportunity to pay for a valuation as discussed in post #2?

Albert_Tatlock_2

kingstreet wrote: »

Have you now established your existing lender won't give you the opportunity to pay for a valuation as discussed in post #2?

They are going to check with their Team Leader whether they can revalue. I do not think me paying is an option. Either they’ll do it themselves or not at all.

I did have an enquiry in with London and Country Brokers but unfortunately they stopped communicating. I wasn’t curmudgeonly, promise.

[FONT=&quot]I’ve emailed the guy there who I was dealing with to try and gee him up.[/FONT]

Albert_Tatlock_2

VFR-Rider wrote: »

Wow. Just wow.

Calling one of the most knowledgeable and helpful people here a pendant? When he's an expert in the field you're asking about?

'm going to go with "wow" again.

Yeah. Thanks. Sorry everyone.

Albert_Tatlock_2

Now got this from my lender:

without any significant improvements we would be unable to revalue the property. Alternatively - the only situation where the valuation could be challenged would be if you were able to provide evidence of the following:

• Knowledge of at least two properties sold in the same area
• The properties must have sold within the last two months
• The properties must be of similar type and construction

I'm on plums here, amn't I? The two months rule makes it pretty much impossible as prices don't get published for at least 6 months following the sale (I think).