Mortgage broker - ask me anything

Monik2510a

Can I jusy say, we've had a horrendous experience with our previois broker, I have decided to contact @haras_n0sirrah and had the mortgage approved in 5 days ! I will be always be recommending Sarah, she's always available, easy to get hold of and always 'on it'. We've completed yesterday if anyone need the details - please message me  

allygate

Hi someone sent me Sarah's contact details and I emailed her. She responded after a couple of days and asked a few questions. It's been radio silence after that. Please if someone has a landline number or WhatsApp number for her please message me. I need to get a mortgage quickly. Thanks.

Monik2510a

trackboy said:

Rickydewitt said:

Hi, for those asking about haras_n0sirrah

She helped secure our mortgage and I can’t express how good the experience was. Got our offer within 5 days from a high street lender. 

Hi can you please msg me her contact details. I need to arrange my mortgage asap.

Thank you.

I have messaged you  

Monik2510a

allygate said:

Hi someone sent me Sarah's contact details and I emailed her. She responded after a couple of days and asked a few questions. It's been radio silence after that. Please if someone has a landline number or WhatsApp number for her please message me. I need to get a mortgage quickly. Thanks.

I have messaged you  

allygate

Monik2510a said:

allygate said:

Hi someone sent me Sarah's contact details and I emailed her. She responded after a couple of days and asked a few questions. It's been radio silence after that. Please if someone has a landline number or WhatsApp number for her please message me. I need to get a mortgage quickly. Thanks.

I have messaged you  

I already have the email and phone you sent
Don't worry about it, I'll message a couple of the other brokers who post. Or maybe my mortgage requirements are unrealistic.

big_saver_5

allygate said:

Monik2510a said:

allygate said:

Hi someone sent me Sarah's contact details and I emailed her. She responded after a couple of days and asked a few questions. It's been radio silence after that. Please if someone has a landline number or WhatsApp number for her please message me. I need to get a mortgage quickly. Thanks.

I have messaged you  

I already have the email and phone you sent
Don't worry about it, I'll message a couple of the other brokers who post. Or maybe my mortgage requirements are unrealistic.

I only gave you her details on the 16th dec? 

allygate

Not just you, others messaged me her details as well. Anyway don't worry about it, maybe she'll reply if she can help.

K_S

Anne_X1 said:

K_S said:

Anne_X1 said:

Hi, I reference this forum a lot but never signed up or posted before, so please be gentle
I have been trying to get a self employed mortgage for a few months now. I used a broker who strung me along and finally said he can't help. I run a succesful business and only want to borrow four times my profit but he said I need 3 years of accounts to stand a chance. Can anyone help?

@anne_x1 With 2 years of accounts, you should have a good range of options, barring any other nasties in the background. Did the broker give you more details as to why you need 3 years of accounts? The usual reasons for 2 years being insufficient is the first set of accounts not showing a full year of trading, or a huge jump in profits/activity from year 1 to 2, etc. Does any of that apply to your case?

Hi. Thanks for your reply. I did have a much better second year than the first, but isn't that normal? Can you or someone else reading help? I'm now down to needing about 3.5 times profit as I have added to the deposit.

Are there any broker specialists in self employed mortgages?

@Anne_X1 Tbh, self-employed mortgages aren't particularly specialist anymore. Based on what you have said, your chances depend on the specifics and numbers in years 1 and 2. There'll be some lenders who won't look beyond them but also others who may approach it a bit more pragmatically. It could just be that you did have a good broker but it isn't placeabIe, but you've nothing to lose by trying another broker if you feel that the broker didn't do a good job. In any case, do make sure your new broker has all the info about any previous DIPs, applications, etc. Good luck!

IAMIAM

If you remortgage to Nationwide with additional borrowing for home improvements, do they open a separate sub account of just pay the difference between paying off your old lender and the remortgage amount  into your current account, resulting in one mortgage account with Nationwide and one direct debit. 

K_S

@IAMIAM Just one mortgage part and one direct debit after the remortgage.