NatWest morgage sent to different department because of a internal marker

31 Posts

Have applied for a morgage with NatWest all was going well
Had a aip
Submitted full application
Survey fine
affordability fine
Credit file brilliant
But has been referred to a different department cause of a internal marker and will get
Back to me within 48 hours
Only thing I can think of is I had a account and business account with them about 13 years ago when I became self employed and was
Hard and they ended up closing them I’m
Sure I never owed them any money in the end though
Will they really refuse me a morgage when that was 13 years ago and the morgage I want I have 41 percent deposit as well
And they can see I always pay my bills and earn over 80k a year now and my Lloyd’s accounts are in great shape
Had a aip
Submitted full application
Survey fine
affordability fine
Credit file brilliant
But has been referred to a different department cause of a internal marker and will get
Back to me within 48 hours
Only thing I can think of is I had a account and business account with them about 13 years ago when I became self employed and was
Hard and they ended up closing them I’m
Sure I never owed them any money in the end though
Will they really refuse me a morgage when that was 13 years ago and the morgage I want I have 41 percent deposit as well
And they can see I always pay my bills and earn over 80k a year now and my Lloyd’s accounts are in great shape
0
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Replies
If you satisfied the debts in full, then you will be fine.
Only reason my broker whent with them is I’m a cis contractor now and they take a average over the last 12 months
What has the broker said?
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.
Always overdrawn etc
And they ended up refunding some bank charges to the account to get it back to 0 and then closed
It I just don’t ever remember owing them any money at the end and don’t ever remember them chasing me for any
Refunding or writing off is a material difference.
Just really stressed now I spent 12 years building my business and paying all bills on time every time
Safe to say am so so happy
Seems like my past 13 years ago with them didn’t make any difference
I can now sleep tonight