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Broker issues

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  • Exactly - he is stupid. This is why I am doing most of it myself. He is meant to be the best broker in our area, but unfortunately he has been rubbish for us. Luckily, I know another broker who is amazing. Ive just sent an email explaining things.. hopefully she wont be too put off by things being in a bit of a mess and be able to help us 🤞🏼
  • amnblog
    amnblog Posts: 12,730 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 12 December 2020 at 8:53PM
    Nat West policy since late last month is to ignore self employed income if SEISS Grant was taken in August.
    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.
  • Were going to stop the application - it’s clearly on his bank statements we submitted 4 weeks ago & they still went ahead & booked the valuation knowing this. Shocking. New MB going to source another lender. 
  • A friend of mine has just used her business BB loan for a deposit on her house, has shocking credit and is a single parent and managed to get approved and has the keys to her house. Its makes no sense. 
  • Exactly - he is stupid. This is why I am doing most of it myself. He is meant to be the best broker in our area, but unfortunately he has been rubbish for us. Luckily, I know another broker who is amazing. Ive just sent an email explaining things.. hopefully she wont be too put off by things being in a bit of a mess and be able to help us 🤞🏼
    If you knew this second MA was amazing why wouldn’t you just of used them in first place. Maybe could of avoided this mess.
  • Exactly - he is stupid. This is why I am doing most of it myself. He is meant to be the best broker in our area, but unfortunately he has been rubbish for us. Luckily, I know another broker who is amazing. Ive just sent an email explaining things.. hopefully she wont be too put off by things being in a bit of a mess and be able to help us 🤞🏼
    If you knew this second MA was amazing why wouldn’t you just of used them in first place. Maybe could of avoided this mess.
  • yes, it was all just rushing, as we had actually already moved from another broker that had just taken on too many clients and couldn’t cope with her work load. 

    Natwest have now pulled him on a SEISS grant he received in August because he had to self isolate. Apparently they queried this with the broker on the 7th! But he hasn’t even bothered to let us know. So fed up if it all. 
     When applying I asked the broker if I should submit all accounts and he said not to bother with the Halifax account and this wasn’t relevant but I may need to provide them if natwest asked for them. I have since called natwest to explain as it was worrying me and I would rather give them the full picture, and they gave me an email address to send them to. 
    I'm not a mortgage broker, but I can only think that is the wrong course of action.
    When you pay someone to do a job for you, it's madness to interfere like that, I don't think any good is likely to come from it, just confusion at best.
    For you to post on here suggests the relationship is already too broken IMO, move on.
    Feb 2008, 20year lifetime tracker with "Sproggit and Sylvester"... 0.14% + base for 2 years, then 0.99% + base for life of mortgage...base was 5.5% in 2008...but not for long. Credit to my mortgage broker
  • Carl2510 said:
    Exactly - he is stupid. This is why I am doing most of it myself. He is meant to be the best broker in our area, but unfortunately he has been rubbish for us. Luckily, I know another broker who is amazing. Ive just sent an email explaining things.. hopefully she wont be too put off by things being in a bit of a mess and be able to help us 🤞🏼
    If you knew this second MA was amazing why wouldn’t you just of used them in first place. Maybe could of avoided this mess.
    She was too busy to take us on when I first enquired a few months ago but things have started to slow down now were near xmas and she luckily has some availability 🤞🏼
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