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Need a broker

135

Comments

  • Ibrahimovic786
    Ibrahimovic786 Posts: 28 Forumite
    No lender out there that does not go threw these fraud checks ?
  • haras_nosirrah
    haras_nosirrah Posts: 2,208 Forumite
    I am not saying it is impossible but a scatter gun approach with lenders won't work. You know it is on there and the lender will see it. You need to find out exactly what is being reported and the broker needs to call the lenders before submitting anything to say exactly what the scenario is
    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.
  • haras_nosirrah
    haras_nosirrah Posts: 2,208 Forumite
    All lenders will do a fraud check. It is whether there is a lender willing to go with it.
    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.
  • Ibrahimovic786
    Ibrahimovic786 Posts: 28 Forumite
    False income is what rbs got me flagged for with nhunters...

    But my employment is genuine

    I have 8weeks to get an offer for a new build I reserved
  • Ibrahimovic786
    Ibrahimovic786 Posts: 28 Forumite
    So do I forget.about getting a mortgage ?
  • worried_jim
    worried_jim Posts: 11,631 Forumite
    10,000 Posts Combo Breaker
    Ibrahimovic786 wrote: »
    False income is what rbs got me flagged for with nhunters...

    But my employment is genuine

    I have 8weeks to get an offer for a new build I reserved

    But you have a proven track record of lying to a financial institution. Pretty much game over.
  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Ibrahimovic786 wrote: »
    So do I forget.about getting a mortgage ?

    Why should a lender provide you with a mortgage ?

    Why did you lie ?

    Would you lend to someone who in the past had lied on an application for a financial product and now wants a mortgage ?
  • Ibrahimovic786
    Ibrahimovic786 Posts: 28 Forumite
    People can make mistakes and be stupid in past life
    We all make mistakes I am not here to be criticized but to be helpd please to know what route to take or wait down the line ???
  • kingstreet
    kingstreet Posts: 39,312 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Get all three versions of your credit file and your hunter file and ask friends and relatives for a broker recommendation.
    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.
  • ACG
    ACG Posts: 24,682 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    I had a case last year where the client was on CIFAS/National hunter. His was actually down to a dodgy broker who thought they would try to be clever and declare someone who was self employed as employed and just use payslips. Client knew no different and just accepted what he was told.

    I could not get a "normal" lender to accept him. I even struggled to find a specialist lender to accept him. In the end I did find a lender but rates were around 5%.

    His situation was unfortunate as he was guided by a "professional" that he thought he could trust. Yours was a lie and I would be surprised if you could find a lender to accept you until it drops off.
    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.
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