We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
What would you do ?
hevcoll
Posts: 2 Newbie
Hello hope anyone can help me !!
So me and partner have recently been trying to buy a house, first time buyers. Now our credit isnt squeaky clean but we got a mortgage advisor who sorted everything for us. We met the criteria for both mortgages that we applied for. They were accepted 🙌 the survey was done. Then it went to the underwriter both times, Then declined ???
They will simply not tell me why. I have tried emailing, complaining, calling even a subject access request and i am still none the wiser to why this happened.
My motgage advisor doesnt understand it and he's been doing the job 20 years !
Any help would be greatly appreciated.
So me and partner have recently been trying to buy a house, first time buyers. Now our credit isnt squeaky clean but we got a mortgage advisor who sorted everything for us. We met the criteria for both mortgages that we applied for. They were accepted 🙌 the survey was done. Then it went to the underwriter both times, Then declined ???
They will simply not tell me why. I have tried emailing, complaining, calling even a subject access request and i am still none the wiser to why this happened.
My motgage advisor doesnt understand it and he's been doing the job 20 years !
Any help would be greatly appreciated.
0
Comments
-
Have you checked all 3 credit reference agencies? Is it a new build?
Maybe choose a new adviser as he may be placing you with the wrong lender.0 -
Were both for the same property? Sounds like the rejection is happening after the valuation. But usually you are given the reason in such cases.0
-
Iv checked with all credit reference agencies. Not a new build. Also on the same property.
I did find out thay it could be to do with a linked address. But spoke to equifax and they advised that all the information i can see in the report is what they can see. I even asked for a manual review but same response. They also said they can not tell me the reson due to contracts with eqifax0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards