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Credit ratings agency for mortgage
Comments
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krustylouise wrote: »Sorry to jump on - who are the 3 agencies for credit reports? Experian? Equifax? And who is the third?
Can access the reports for free using the alternatives, clearscore for equifax, mse club for Experian etc.0 -
Hi this is the e mail i received from my broker. Can u kindly explain where i am and what they hv checked and if they may need any further things from me.
Thank u
Good news! Your mortgage application has now been agreed subject to the valuation, what will happen now is an independent valuer will arrange a valuation booking date with the builder to value the property you are purchasing and to produce a report for the lender to assess, this can take 2-3 working days for the valuer to arrange a booking date with the builder.0 -
Your mortgage application has now been agreed subject to the valuation,
Providing the property you are proposing to purchase is satisfactory from the lenders perspective. You'll be receiving a mortgage offer in the the near future.
You'll still be at the beginning of what often is a stressful journey. I'd suggest you relax and chill. Otherwise you'll find yourself climbing walls.0 -
It's clear.Your mortgage application has now been agreed subject to the valuation
Your application has been agreed and once the valuation report is back, the mortgage offer will be issued. Only a problem with the valuation can now affect the issue of the mortgage offerI 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 -
Thanks mate! One more question is about my help to buy application, do you think that is also approved by the bank or the housing comittee, i hv not heard anything about that, i had filled the help to buy form same time as mortgage form but dont know what is happening. Kindly help.0
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You didn!!!8217;t have the Form of Authority to proceed on the Equity Loan before the Mortgage application went in?
We do not apply for the mortgage until we have the FOATP. Is your Broker managing the Equity Loan application?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
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