NatWest morgage sent to different department because of a internal marker

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

Replies

  • ACGACG Forumite
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    If they had to write off a penny, it will probably get declined.
    If you satisfied the debts in full, then you will be fine.
    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.
  • James_d_2James_d_2 Forumite
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    I just don’t know it was so long ago now don’t remember them ever chasing me for money though tbh
    Only reason my broker whent with them is I’m a cis contractor now and they take a average over the last 12 months
  • amnblogamnblog Forumite
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    Sounds like a random internal audit case. If so, routine procedure for them to manage their quality standards rather than specific to your case.

    What has the broker said?
    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.
  • James_d_2James_d_2 Forumite
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    All I remember is that in my early days of being self employed I was
    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
  • James_d_2James_d_2 Forumite
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    Broker said it is something to do with past accounts that just has a flag on it and that they will give a answer within 48 hours hopefully Tomorrow just really !!!!ed now as that was over 13 years ago as well and I been fine ever since
  • ThrugelmirThrugelmir Forumite
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    James_d wrote: »
    And they ended up refunding some bank charges to the account to get it back to 0 and then closed

    Refunding or writing off is a material difference.
  • James_d_2James_d_2 Forumite
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    So just have to wait and see what they say then and hope my broker has a plan b if not
    Just really stressed now I spent 12 years building my business and paying all bills on time every time
  • James_d_2James_d_2 Forumite
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    Well panic over just got my mortgage offer from NatWest
    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
This discussion has been closed.
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