Mortgage declined and we haven’t been told why!

Edi81

Credit reference agencies.

This is why you should have been asked for all 3 copies of your credit files from Equifax, Experian and Callcredit.

You need to get these ASAP to check there are no errors or unknown defaults or CCJs.

A decent broker would have asked for this upfront as it would help them determine which lenders are more suited for you.

jerome1

Edi81 wrote: »

Credit reference agencies.

This is why you should have been asked for all 3 copies of your credit files from Equifax, Experian and Callcredit.

You need to get these ASAP to check there are no errors or unknown defaults or CCJs.

A decent broker would have asked for this upfront as it would help them determine which lenders are more suited for you.

We have checked with Noddle and have no defaults or errors or anything like that..

Carrot007

jerome1 wrote: »

We have checked with Noddle and have no defaults or errors or anything like that..

And check the others (all free) and make sure you have used the right full address history.

stator

Ask for your money back, then find another broker.

jerome1

Our credit reports are flawless we have just checked with Equifax and Experian too

kingstreet

Any issues with Co-op Bank or Britannia BS however long ago?

Any associations with other people (old joint accounts still in operation) that could be affecting you?

Any previous issues with fraud against you?

Any other recent applications which might have caused a national hunter entry? https://www.nhunter.co.uk/

BoGoF

Are we not missing some important info here?

Purchase price?
Deposit?
Income?
Outgoings?

kingstreet

BoGoF wrote: »

Are we not missing some important info here?

Purchase price?
Deposit?
Income?
Outgoings?

Unlikely to have got past DIP stage if one of those was out of kilter.

If it's reached the desk of a human being, it's about something that human being has to judge acceptable, or not.

BoGoF

Probably......could there be an outgoing not declared that is on the credit file?

kingstreet

BoGoF wrote: »

Probably......could there be an outgoing not declared that is on the credit file?

Possibly, but I can't see the point in witholding that from the broker. It may well have been paid off recently and not showing on the system, or the applicant may well be paying it off soon anyway. There would be a chance of keeping the application alive

If a lender did that to us, I'd be miffed. I don't necessarily need chapter and verse, but a simple "look at their Experifaxcredit file and see what's on there" would usually suffice.

If they really are clean, we get into the kind of issues I asked about, lender specific markers, fraud markers, National Hunter etc.