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kensington Criteria
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wow, thanks for the response guys, is there any lenders who will do discharged bankrupts?0
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Yes, quite a few - speak with a broker.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.0
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Senior_Paper_Monitor wrote: »I think its a lifetime ban for Bankrupts with Kensington AMN (at the moment - I seem to recall a rumour that it might change shortly) .....
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Yes, perhaps I am getting ahead of myself. Something I thought I was told rather than laid out in in black and white.
Perhaps in one of those conversations of a million reasons why they wont take client X.
We never take ex bankrupts to KMC anyway.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.0 -
Mortgage_Mark wrote: »Yep - we had a visit from their BDM a fortnight ago and when I asked why they didn't just change the question to "...in the last six years?" the response was "Well....erm....I'm not sure really...".
Helpful.
Lenders love a double negative.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.0 -
Mortgage_Mark wrote: »Yes, quite a few - speak with a broker.
Are you not one?0 -
ollie2008uk wrote: »Are you not one?
As brokers we cannot name lenders on a forum as this could be seen as advice.
If you are unsure of your options then you should engage a broker rather than risk rejected applications.I am a Mortgage AdviserYou 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.0 -
Are there brokers out there who think that once a bankruptcy has disappeared from a credit file, they can fail to disclose it because it can't be found anywhere?
:eek:
Best plan is to find a lender which will accept a historic bankruptcy, disclose it, then when the solicitor does the search, it won't be a nasty surprise for the lender when the solicitor discloses the search result.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.0 -
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If you wanted to PM somebody you can. The other way round isn't allowed under forum rulesI am a Mortgage AdviserYou 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.0
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