Please delete now

getmore4less

Hope the fianc! does not wake up and realise her future husband may not be the smartest in the street.

Malmo

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amnblog

This is why I often mention here that buyers should not talk to lender's direct when they are using a broker. The wrong word in the wrong place can blow everything.

In this case the Lender phoned the borrower direct but a simple 'yes we are' to the question about living in the property would have been sufficient. The lender may still have asked for evidence that the tenant is moving out given the vendor - but that could be managed.

I suspect the broker is now flagged up as trying to put a BTL case through as residential, bad news all round - for the borrowers, the broker, the vendor, and even the lender has lost the business.

Flt._Lt._Biggles

mrRobot wrote: »

Hi,
My fiance and I are have been declined a mortgage, I think due to being suspected mortgage fraudsters by Nationwide.

Background: We are getting married next year and wanted a place to call home to start our new lives together. We are both first time buyers and my fiance's father has a flat which is currently let out, he is willing to sell the flat to us, which is what the mortgage was for.

We used a mortgage adviser/broker who found Nationwide to have the best deal for us, we applied, it went through ok, had a conditional offer, the valuer went round to see the flat. Then last week is where it went wrong:

I got a call from Nationwide, asking about the mortgage, she said if we were going to live in the flat, I said yes, she commented that there were tenants currently living at the property, then the curiosity side of me took over, I asked "what if we wanted them to stay there for a bit, say 10 months?" She didn't like this, and I explained it was just a question (I know now in hindsight never to say this again) She then said I had to get an eviction notice and a letter from the tenants saying they were going to move out, I said ok and the call finished.

About 15 minutes later she called back and said sorry we have declined your mortgage, I asked why and she said I wanted to let the flat out for 10 months, I disagreed with this staement and she then went on to say we could apeal through our mortgage advisors.

So i got in contact with the mortage advisors and I told them what happened and I sent them the two letters about evition and leaving, they sent it along with my side of the story to Nationwide. I waited a couple of days and then got an email from the mortage adviser saying "Sorry, we regret to advise you Nationwide have declined your application regarding my agreement to allow the tenants to occupy the flat for 10 months." :mad:

Since then the mortgage advisor told me that Nationwide thought we were going to commit fraud :shocked: and said we might be on some database and there wasnt anything else they could do to help

This all happened from the 15th, I'm really really stressing out about this and don't know what to do, I feel like I've completely ruined our future and we can never get a mortgage or anything and im actually really scared.

I really need some adivce on what to do next

Thank you .

Glad to hear you have found some of the advice useful. Perhaps others in you same situation will also benefit from the advice provided by others.

Do come back if you need any more assistence on this or other matters