Is it common for banks to email mortgage offer letters via email?

user1977

Why don't you just speak to your broker?

Sandtree

theartfullodger said:

SBelgium123 said:

Is it common for banks to email mortgage offer letters via email?

Err.. how else would you "email mortgage offer letter" than "via email", please??

Obviously the OP really needs to answer you @theartfullodger but in other circumstances I have received an email that says "Please see the attached letter" and then there is a PDF on "headed paper" etc thats in a traditional letter layout etc

eddddy

user1977 said:

It's possible, though I've never heard of such a fraud. And if they have all the info required to produce a convincing mortgage offer, they could just as easily send it to you by post.

I've never heard of it either.  But I guess you could argue that lots of people are wise to the fraud involving hacking solicitors' email systems, and sending fake emails to their clients. (As well as hacking builders email systems and emailing fake invoices with fraudulent payment instructions.)

So the fraudsters are looking for new 'channels', so could start hacking mortgage brokers' email systems (or hacking their Customer Databases) to get enough info about their clients to seem convincing.

Often the fraudsters are in far-away countries, so sending emails is far more convenient and cheaper than sending letters.

Mahsroh

Sandtree said:

 in other circumstances I have received an email that says "Please see the attached letter" and then there is a PDF on "headed paper" etc thats in a traditional letter layout etc

I was going to reply along similar lines but then I realised the post was referring to the double use of the word "email"....... i.e. "email mortgage offer via email" rather than "send mortgage offer via email". So I put it down to classic MSE forum pedantry and moved on.... 

tinytiddles

Yep standard with HSBC, as someone else has already replied, you get a text message with a password to open the documents and the offer is emailed a few minutes later. It also gets sent electronically to your solicitor. 

jst1986

All of my recent HSBC mortgage was done electronically. Absolutely nothing in the post at all. 

andyf1980

Yes we got our mortgage offer from HSBC by email with a password sent separately by text. It’s actually quite a good system I think. 

Marvel1

user1977 said:

Pretty commonplace I would have thought. Why would a fraudster offer you a mortgage?

I'm guessing the links it contains and click it,i t's not about the offer.