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HALIFAX REFUSE MORTGAGE - WHO NOW - Please Help?

24

Comments

  • amnblog
    amnblog Posts: 12,762 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    you seemed to know all about it!
    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.
  • stator
    stator Posts: 7,441 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I know someone who was victim of a gambleholic
    Changing the world, one sarcastic comment at a time.
  • EXPEDITE74
    EXPEDITE74 Posts: 19 Forumite
    Thrugelmir wrote: »
    With a lenders hat on. Given your income why no savings? Why the need to even have an overdraft? Your profile can be enough to cause a decline if it doesn't fit the lenders target market. You've no right to a mortgage, it's a commercial business decision.

    There is savings £10,000 just now and they can see that as i bank with them................... ref the overdraft, please read what I have said
    I had an over draft and tbh I forgot about it its been there for years so complacency has let me down!
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    EXPEDITE74 wrote: »
    I had an over draft and tbh I forgot about it its been there for years so complacency has let me down!

    Shows a complete lack of care. Even more concerning.
  • EXPEDITE74
    EXPEDITE74 Posts: 19 Forumite
    Anyway, I know now what i have to do ref gambling £20 on a game if that.

    Ref the Overdraft £1000.00 , its been cancelled - I honestly forgot about it its been there for a while.

    I have got a mortgage advisor but nothing now until Monday 24th Nov 2014.

    So does anyone know of a possible lender that wont require Bank statements please? or Do i need to go to a bad credit lender even though credit rating is £999.00 ??
  • stator
    stator Posts: 7,441 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Post Office / Bank of Ireland don't require bank statements at the moment, or at least they didn't for me. If they think you are a marginal case they might ask for them.
    Changing the world, one sarcastic comment at a time.
  • EXPEDITE74
    EXPEDITE74 Posts: 19 Forumite
    stator wrote: »
    Post Office / Bank of Ireland don't require bank statements at the moment, or at least they didn't for me. If they think you are a marginal case they might ask for them.

    Thanks ,

    just something to consider i can mention/suggest this when he phones me monday.
  • Bantex_2
    Bantex_2 Posts: 3,317 Forumite
    stator wrote: »
    Post Office / Bank of Ireland don't require bank statements at the moment, or at least they didn't for me. If they think you are a marginal case they might ask for them.
    Think they will for self employed.
  • Moseydo82
    Moseydo82 Posts: 58 Forumite
    Sixth Anniversary 10 Posts Combo Breaker
    Post office asked for bank statements of me and my wife and my friend and we all applied 2 weeks ago.

    My friend was applying with his wife, not the same mortgage as me.
  • EXPEDITE74
    EXPEDITE74 Posts: 19 Forumite
    This is a Nightmare, Didnt realise i'd been so careless with betting and didnt think about how it would affect mortgage. Grrrrrrrrrrr

    All I can do is see what the future holds once i speak to Financial Advisor Monday now.

    Will keep you updated.
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