Virgin money underwriters declined my application due to my partners Eu Pre settled status

Julz94

K_S said:

Julz94 said:

K_S said:

@julz94 Ok that explains it.
As you probably know by now, there are mainstream lenders who will consider so it's nothing to worry about, especially at 50% LTV. Your broker will place you with the right lender, good luck!

Do you suggest I stick with going with broker or try nationwide direct today? 

@julz94 If you were my client, I personally would be very unlikely to place your case until I'd actually talked to a lender and told them that one applicant is a non-EU national with pre-settled status to confirm that it fits criteria. This is a new combo. Just last week I was struggling at DIP for a Norwegian applicant who the lender insisted needed an ILR, even though they did not eventually.

Until recently, if you were a non-EU national in the UK, you were either on a visa or in ILR, and lenders have clear published criteria in this case.

I know nothing about your case so can't really tell you what to do one way or the other. If it's very urgent, my recommendation would be to speak to a broker over the weekend (there are plenty that take client appointments) and take it from there.

If you are going direct, I would strongly recommend that you pick the advised route where you get to speak to a Nationwide advisor so you can explain the situation clearly and avoid an unnecessary decline.

I would definitely recommend going through a broker, good luck.

Thank you for all you help, Can you not post your business contact info ?  I have trust issues with brokers in general and i like the sound of you.  

lonibra

The advisors on the forum cannot contact you or encourage you to contact them, they will be banned immediately 🚫. But you can direct message them if you want to approach one that is not a problem. Plenty of people on the forum use the excellent advisers here who provide advice.