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first time buyer
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ellabell_2
Posts: 2 Newbie
Hi all,
I hope someone can answer my question or give some advice.
I have been banking with lloyds for 20+ years and applied for a mortgage with them (had some credit cards and a car loan which had been paid off in full and closed 2 months prior to the applictaion but still have a loan oustanding with them regular payments made and all up to date).
I have been told by lloyds that i fall into the catagory C credit rating and they will only offer me 65% LTV.
My question is would there be any point in going to a broker? is there a chance another lender may offer more LTV?
thanks in advance
I hope someone can answer my question or give some advice.
I have been banking with lloyds for 20+ years and applied for a mortgage with them (had some credit cards and a car loan which had been paid off in full and closed 2 months prior to the applictaion but still have a loan oustanding with them regular payments made and all up to date).
I have been told by lloyds that i fall into the catagory C credit rating and they will only offer me 65% LTV.
My question is would there be any point in going to a broker? is there a chance another lender may offer more LTV?
thanks in advance
0
Comments
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Yes. Obtain all three versions of your credit file before doing so.
There may be something visible you are not aware of.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 -
Thank you for your reply.:)0
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