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Which mortgage co is not associated RBS/Santander?

Squibble
Squibble Posts: 30 Forumite
Part of the Furniture 10 Posts Combo Breaker
in Mortgages & endowments
Hi,

Are there any banks which are not linked or under the umbrella of Santander /RBS with regards to making an application for a mortgage.

Thanks

Comments

  • LRmortgage
    LRmortgage Posts: 484 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    There are loads...
    unfortunately as a broker I’m not allowed to name lenders on here, but google will tell you which lenders are under each of the groups and basically the rest are not...
    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.
  • Squibble
    Squibble Posts: 30 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    LRmortgage wrote: »
    There are loads...
    unfortunately as a broker I’m not allowed to name lenders on here, but google will tell you which lenders are under each of the groups and basically the rest are not...

    Oh Okay thanks, I had a look but it kind of confused me.

    Was thinking of trying Virgin Money but I am unsure if they will be the right direction.
  • LRmortgage
    LRmortgage Posts: 484 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    You may be better off either posting more details of your circumstances so the wise people of this board can give you ideas or consulting a broker who will know which lenders to approach for you.
    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.
  • amnblog
    amnblog Posts: 12,781 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What is the objective here Squibble?
    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.
  • Edi81
    Edi81 Posts: 1,513 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    RBS and Santander are not connected.
    RBS and NatWest are the same group.
    Lloyds, Halifax and Bank of Scotland are the same
    TSB is separate
    Barclays
    hSBC
  • ACG
    ACG Posts: 24,848 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Basically anyone other than RBS/Natwest and Santander.
    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.
  • chunkytfg
    chunkytfg Posts: 850 Forumite
    Part of the Furniture 500 Posts
    Squibble wrote: »
    Hi,

    Are there any banks which are not linked or under the umbrella of Santander /RBS with regards to making an application for a mortgage.

    Thanks

    If I was going to try and make an uneducated guess I would guess this is being asked due to already having previous applications refused and you're now on the hunt for someone else to apply with who hasn't already got a record of your previous no?

    If thats the case then would it not make sense to employ the services of a broker who will be better placed to make an application for you and get you the yes your current scatter gun approach hasn't managed?

    If i'm wrong though then ignore me :D:beer:
    Those who risk nothing, Do nothing, achieve nothing, become nothing
    MFW #63 £0/£500
  • Squibble
    Squibble Posts: 30 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Thanks guys for your posts and all noted and correct in understanding.

    I will be contacting a broker thank you.
  • ACG
    ACG Posts: 24,848 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    chunkytfg wrote: »
    If I was going to try and make an uneducated guess I would guess this is being asked due to already having previous applications refused and you're now on the hunt for someone else to apply with who hasn't already got a record of your previous no?

    If thats the case then would it not make sense to employ the services of a broker who will be better placed to make an application for you and get you the yes your current scatter gun approach hasn't managed?

    If i'm wrong though then ignore me :D:beer:

    In 2017, I did a mortgage for a customer with Natwest. 2 weeks prior he had been declined by Natwest with another broker... He had also been declined by an adverse lender with the other broker.
    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.
This discussion has been closed.
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