Haart, EA: You must go through our mortgage advisor prior to viewing

ciderboy2009

I've always just asked the EA's to confirm in writing to me that it's a requirement.  Each time my DIP has then miraculously become acceptable.

74jax

I once had to do a mortgage qualification call, when I didn't want a mortgage...
Them - What is your income? 
Me - none... 

I still got the viewing though.... 🤔

At the viewing I made sure the vendor new I was cash, and not tied up in investments cash. 

I didn't offer but my mortgage call lasted about 1 minute 😂

The_Real_Cheddar_Bob

Gavin83 said:

I also agree that you should play the game. While EAs are obliged to put your offer forward they can certainly influence the vendor. As someone who was a salesman a while ago I can attest to how easy it is to influence people.

EA says to the vendor “You have two offers, same price. One offer is really good, we’ve confirmed they can afford it and they’re keen to get moving ASAP. Second offer has refused to prove they have the affordability and they’re generally really obstructive and I’ve no confidence they won’t mess you around during the process.” Who do you think the vendor will pick?

Not who you would expect. Anyone that trusts the crap that comes out of an estate agents mouth is a mug. 

OP - don't worry about the EA trying to get you financially qualified, just tell them you no longer want to see the house and find another one. Thing is, if you buy with emotion you will need to bend to the EA as often as they please, if you don't like that change how you buy. 

Get yourself an AIP, be proactive and if they still want you to see their FA, when you get the call tell them you already have an AIP. When this happened to me the FA was their on an agreement the EA would pass them qualified willing clients. He seemed annoyed I was neither. 

EndlessStruggle

Wanted to throw in my two cents as my mortgage broker is part of Haart.

He is fantastic and highly reviewed so might be worth finding out if the broker is a good fit for you.

I didn't know he was part of Haart before I chose him. 

Haart also contacted me about a number of properties before they were even listed so it could pay off to go through with that as they'll know your position for any future properties.

m0bov

Go speak to the vendor.

htcclub

Thanks for the comments. I played along and call did only lasted 5 minutes as broker requested to be sent the DiP

He was a lovely chap, I must say...
Broker: so what are you looking for on this call today?
Me: errmm I was told the only way to view a property was to speak to you so thats why I am here (lol)

steve866

The_Real_Cheddar_Bob said:

Gavin83 said:

I also agree that you should play the game. While EAs are obliged to put your offer forward they can certainly influence the vendor. As someone who was a salesman a while ago I can attest to how easy it is to influence people.

EA says to the vendor “You have two offers, same price. One offer is really good, we’ve confirmed they can afford it and they’re keen to get moving ASAP. Second offer has refused to prove they have the affordability and they’re generally really obstructive and I’ve no confidence they won’t mess you around during the process.” Who do you think the vendor will pick?

Not who you would expect. Anyone that trusts the crap that comes out of an estate agents mouth is a mug. 

OP - don't worry about the EA trying to get you financially qualified, just tell them you no longer want to see the house and find another one. Thing is, if you buy with emotion you will need to bend to the EA as often as they please, if you don't like that change how you buy. 

Get yourself an AIP, be proactive and if they still want you to see their FA, when you get the call tell them you already have an AIP. When this happened to me the FA was their on an agreement the EA would pass them qualified willing clients. He seemed annoyed I was neither. 

It feels like passing on this house because you don't want to jump through a couple of hoops would be an emotional decision. You have to play the game when the market is this heated, however much you might hate the practice.

greensalad

When I was forced to have a broker chat, I simply used it as a way to get as much mortgage info and opinion out of him (first time buyer here). Basically used it as free advice with no intention of signing up. Asked him his thoughts on different rates, variable vs fixed, overpaying etc. All things I'd researched a bit myself but a professional opinion never hurt.