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Santander mortgage timeline

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Comments

  • 85c
    85c Posts: 323 Forumite
    100 Posts Name Dropper
    After 9 weeks, we’ve been declined, they said our ltd company hasn’t been trading long enough, it’s been trading for 2 yrs before that we were a sol trader and submitted that. MB said Santander business manager was shocked and is appealing but I have no hope. 
  • fastbs
    fastbs Posts: 177 Forumite
    100 Posts Name Dropper
    85c said:
    After 9 weeks, we’ve been declined, they said our ltd company hasn’t been trading long enough, it’s been trading for 2 yrs before that we were a sol trader and submitted that. MB said Santander business manager was shocked and is appealing but I have no hope. 
    Oh my gosh, I’m so sorry to hear that, it’s awful! I hope the appeal is successful! That is so awful, especially after a 9 week wait! 
  • mowgliisaG
    mowgliisaG Posts: 338 Forumite
    100 Posts Name Dropper
    85c said:
    After 9 weeks, we’ve been declined, they said our ltd company hasn’t been trading long enough, it’s been trading for 2 yrs before that we were a sol trader and submitted that. MB said Santander business manager was shocked and is appealing but I have no hope. 
    Whatttt!!!! This is ridiculous, surely they would have known you have been LTD for two years when you applied. Also youve grown throughout Covid so that should give them confidence. It’s craziness!!!
  • fastbs
    fastbs Posts: 177 Forumite
    100 Posts Name Dropper
    mowgliisaG said:
    85c said:
    After 9 weeks, we’ve been declined, they said our ltd company hasn’t been trading long enough, it’s been trading for 2 yrs before that we were a sol trader and submitted that. MB said Santander business manager was shocked and is appealing but I have no hope. 
    Whatttt!!!! This is ridiculous, surely they would have known you have been LTD for two years when you applied. Also youve grown throughout Covid so that should give them confidence. It’s craziness!!!
    Have you had your text through yet @mowgliisaG ?
  • mowgliisaG
    mowgliisaG Posts: 338 Forumite
    100 Posts Name Dropper
    fastbs said:
    mowgliisaG said:
    85c said:
    After 9 weeks, we’ve been declined, they said our ltd company hasn’t been trading long enough, it’s been trading for 2 yrs before that we were a sol trader and submitted that. MB said Santander business manager was shocked and is appealing but I have no hope. 
    Whatttt!!!! This is ridiculous, surely they would have known you have been LTD for two years when you applied. Also youve grown throughout Covid so that should give them confidence. It’s craziness!!!
    Have you had your text through yet @mowgliisaG ?
    Just got it 12 minutes ago 😀😀😀 xx
  • NatNat77
    NatNat77 Posts: 314 Forumite
    Eighth Anniversary 100 Posts Name Dropper Combo Breaker
    Oh no 85c I'm so sorry! I can't believe it took them so long to tell you that either, if that's one of their requirements it should be made clear from the start. You must be so fed up x
  • fastbs
    fastbs Posts: 177 Forumite
    100 Posts Name Dropper
    mowgliisaG said:
    fastbs said:
    mowgliisaG said:
    85c said:
    After 9 weeks, we’ve been declined, they said our ltd company hasn’t been trading long enough, it’s been trading for 2 yrs before that we were a sol trader and submitted that. MB said Santander business manager was shocked and is appealing but I have no hope. 
    Whatttt!!!! This is ridiculous, surely they would have known you have been LTD for two years when you applied. Also youve grown throughout Covid so that should give them confidence. It’s craziness!!!
    Have you had your text through yet @mowgliisaG ?
    Just got it 12 minutes ago 😀😀😀 xx
    Yesss! fantastic, congratulations xx
  • 85c
    85c Posts: 323 Forumite
    100 Posts Name Dropper
    That’s what we said, the Santander business manager said she doesn’t know why they turned it down which is why she’s appealing. 
  • fastbs
    fastbs Posts: 177 Forumite
    100 Posts Name Dropper
    85c said:
    That’s what we said, the Santander business manager said she doesn’t know why they turned it down which is why she’s appealing. 
    It’s good to know someone from Santander is on your side, that must have some power behind it x
  • Meh123
    Meh123 Posts: 282 Forumite
    100 Posts First Anniversary Name Dropper
    85c said:
    After 9 weeks, we’ve been declined, they said our ltd company hasn’t been trading long enough, it’s been trading for 2 yrs before that we were a sol trader and submitted that. MB said Santander business manager was shocked and is appealing but I have no hope. 
    It’s just a horrible situation. Nothing was hidden from them, they knew all this at the start. SE are just taking an absolute kicking, I stand by what I’ve said before, any business that has survived this year is a strong viable business regardless of age. Hugs xx
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