20% pay cut.. will I get a mortgage on my full salary?

jamielutz1987

"As a guide we charge a fee of £399 but have a service commitment to have an aip submitted within 24 hours of having all documents in."

@haras_nosirrah With all due respect, this is very close to advertising your business. I would request that you edit the post.

haras_n0sirrah

fair enough - have amended. 

Strachan

jamielutz1987 said:

"As a guide we charge a fee of £399 but have a service commitment to have an aip submitted within 24 hours of having all documents in."

@haras_nosirrah With all due respect, this is very close to advertising your business. I would request that you edit the post.

To be fair, haras has usually stated in her other posts that they aren’t allowed to advertise or approach forumites but can be messaged or approached by us. 

The info given in the above post can be researched via a few clicks starting with the user name - yes I have said that on purpose - to help other people desperately searching for a way forward.  

I am going to return to my own thread to ask how I can engage her/his services. 

haras_n0sirrah

Strachan said:

jamielutz1987 said:

"As a guide we charge a fee of £399 but have a service commitment to have an aip submitted within 24 hours of having all documents in."

@haras_nosirrah With all due respect, this is very close to advertising your business. I would request that you edit the post.

To be fair, haras has usually stated in her other posts that they aren’t allowed to advertise or approach forumites but can be messaged or approached by us. 

The info given in the above post can be researched via a few clicks starting with the user name - yes I have said that on purpose - to help other people desperately searching for a way forward.  

I am going to return to my own thread to ask how I can engage her/his services. 

Thank you. Just saying that there is another way if the conveyor companies are not contacting you back or dont have time for you. Those who do not charge a fee have a business structure to be profitable which is easy mortgages and lots of them. Anything remotely complicated and you will be on the bottom of a pile. This works for a lot of people if their circumstances are straightforward or they aren't in a rush. If you need more then for a moderate investment you can get a broker whose model is to charge a bit and be able to hand hold and answer the phone and email as we aren't running around like headless chickens. I and many other brokers who post on this site give plenty of advice for free and to help people out -probably hundreds of hours as i have been here since 2007 but my original account was lost in the change over  (the haras_nosirrah account is dead - it has to be haras_n0sirrah to reach me) I have never hidden that I am a fee charging working broker and that if someone wants my help my inbox is open but I don't message people first as I respect the rules of mse.

extremeshopper28

Thank you for all your help and insight everyone! I have submitted all documents required for a mortgage product that trussle presented to me. My mortgage advisor at Trussle has responded asking question's regarding the documents but yet to submit the application or respond since chasing for almost a week. If I don't get the application submitted tomorrow then I will use someone else! I am not in a major rush but this is a bit absurd right? 

haras_n0sirrah

If you have provided all the information then yes it isnt great - especially if borrowing 85% or above as lenders are changing rates or pulling out completely at these levels (e.g. tsb went from 85% to 80 last week) so we wouldn't keep a case hanging.

extremeshopper28

I am borrowing 85% with HSBC... I have sent another email to Trussle with an ultimatum. Will keep you updated!

extremeshopper28

Trussle got back to me today. Apparently HSBC have a cap on the amount of applications they can process plus they have amended their income calculation for affordability which means as I suspected this deal is no more... so they have offered a Halifax deal which is similar but the question is will they submit my application before the end of play today or leave it hanging again...

haras_n0sirrah

Hsbc amended their calculator on Monday. When were you trying to submit the application?
I got an hsbc 10% deal yesterday for a client. Meant sitting at my pc at 7:45 but that is what has to be done at the moment 

csgohan4

extremeshopper28 said:

Trussle got back to me today. Apparently HSBC have a cap on the amount of applications they can process plus they have amended their income calculation for affordability which means as I suspected this deal is no more... so they have offered a Halifax deal which is similar but the question is will they submit my application before the end of play today or leave it hanging again...

The problem with online broker firms, you get what you pay for, will they be willing to sit there come opening time to submit your case and fight your corner?

My local broker did the legwork and did exactly that when Barclays were having only a small window to submit applications. Will Trussle do that for your or are they just palming you off a different lender to save them some work?