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Any way to filter out bad agents

F37A
Posts: 333 Forumite

Hi
Some agents are selling unmortgeable properties to people without notifying them at point of sale. This in turn is causing maximum misery to those that spend money / time / energy in buying a property and then having to pull out.
If it was up to me I'd block them and get everyone else to block them. What are the options here? or do we continue to suffer at the hands of these agents.
Thanks
Some agents are selling unmortgeable properties to people without notifying them at point of sale. This in turn is causing maximum misery to those that spend money / time / energy in buying a property and then having to pull out.
If it was up to me I'd block them and get everyone else to block them. What are the options here? or do we continue to suffer at the hands of these agents.
Thanks
1
Comments
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F37A said:Hi
Some agents are selling unmortgeable properties to people without notifying them at point of sale. This in turn is causing maximum misery to those that spend money / time / energy in buying a property and then having to pull out.
If it was up to me I'd block them and get everyone else to block them. What are the options here? or do we continue to suffer at the hands of these agents.
Thanks5 -
SDLT_Geek said:F37A said:Hi
Some agents are selling unmortgeable properties to people without notifying them at point of sale. This in turn is causing maximum misery to those that spend money / time / energy in buying a property and then having to pull out.
If it was up to me I'd block them and get everyone else to block them. What are the options here? or do we continue to suffer at the hands of these agents.
Thanks0 -
To everyone out there. Be careful what agent you go with. Some are pure time wasters. Can we start a facebook group to discuss names of these agents???? to out them0
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F37A said:
Some agents are selling unmortgeable properties to people without notifying them at point of sale. This in turn is causing maximum misery to those that spend money / time / energy in buying a property and then having to pull out.
It seems unlikely that an EA would do that.
If the EA knows it's unmortgageable, they'd be breaking the law if they didn't tell a buyer who needs a mortgage (but I know that some EAs might be a bit 'loose' with the law).
But... why would an EA want to do that anyway? It wastes the EA's time and costs the EA money.
EAs generally get paid on exchange/completion. Why would an EA waste their time progressing a sale which they know will fail?
Realistically, an EA would want to leave that property on the market, and spend that time looking for a cash buyer instead - so that they can earn some commission.
Do you suspect that you've come across EAs who do what you describe?
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You do understand that blocking (or in MSE forum terms “ignoring”) another poster doesn’t affect them in the slightest? They will still see your posts and be able to comment on them, you simply won’t see their (usually very insightful - in the case of the member you refer to) replies…
In answer to your original question - a lot of agents will draw attention to things that could cause problems with mortgaging a property in the listing. We viewed one not so long ago that was stated as “having some single skinned construction, which could cause issues with getting a mortgage” for example.Can you define what you mean by “unmortgageable” across the board though? That might help people to get an idea about whether it is a factor that should indeed be mentioned?Also - the agent markets the property, they don’t sell it to anyone. The “point of sale” is exchange of contracts in real terms, and the buyer would be aware a long time prior to that if the property was indeed “unmortgageable” IMO.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
In general the obviously unmortgageable properties are clearly marked as such in listings - it's a waste of everybody's time otherwise. If you're talking about "difficult to mortgage" properties then I wouldn't expect that to be highlighted as such - in any event, where would you stop? Lenders' criteria aren't identical and some have blanket policies which exclude perfectly marketable properties.
Besides, how does it help you to "blacklist" such agents? If you start excluding any of the massive agents (remember they tend to be hidden behind multiple trading names) then you're just going to be excluding properties which might suit you.3 -
F37A said:Hi
Some agents sellers are selling unmortgeable properties to people without notifying them at point of sale. This in turn is causing maximum misery to those that spend money / time / energy in buying a property and then having to pull out.
If it was up to me I'd block them and get everyone else to block them. What are the options here? or do we continue to suffer at the hands of these agents sellers
ThanksBasically if I can get some money taken off the price of the flat then I can buy as long as issues easy to remediate. And if I try to sell after then people will get lending initially (just as I did) and given that a proportion of people will not do own survey then i can sell the property easily without me having to do any works after my purchase.
why stop with the agents?Gather ye rosebuds while ye may1 -
EssexHebridean said:You do understand that blocking (or in MSE forum terms “ignoring”) another poster doesn’t affect them in the slightest? They will still see your posts and be able to comment on them, you simply won’t see their (usually very insightful - in the case of the member you refer to) replies…
In answer to your original question - a lot of agents will draw attention to things that could cause problems with mortgaging a property in the listing. We viewed one not so long ago that was stated as “having some single skinned construction, which could cause issues with getting a mortgage” for example.Can you define what you mean by “unmortgageable” across the board though? That might help people to get an idea about whether it is a factor that should indeed be mentioned?Also - the agent markets the property, they don’t sell it to anyone. The “point of sale” is exchange of contracts in real terms, and the buyer would be aware a long time prior to that if the property was indeed “unmortgageable” IMO.
Either unmortgageable or difficult to mortgage both are bad in my view and should be flagged on advert. There are many types of properties that are unmortgageable too many examples to list. By point of sale i mean when agent is selling to buyer before offer made and agreed.0 -
user1977 said:In general the obviously unmortgageable properties are clearly marked as such in listings - it's a waste of everybody's time otherwise. If you're talking about "difficult to mortgage" properties then I wouldn't expect that to be highlighted as such - in any event, where would you stop? Lenders' criteria aren't identical and some have blanket policies which exclude perfectly marketable properties.
Besides, how does it help you to "blacklist" such agents? If you start excluding any of the massive agents (remember they tend to be hidden behind multiple trading names) then you're just going to be excluding properties which might suit you.0 -
jimbog said:F37A said:Hi
Some agents sellers are selling unmortgeable properties to people without notifying them at point of sale. This in turn is causing maximum misery to those that spend money / time / energy in buying a property and then having to pull out.
If it was up to me I'd block them and get everyone else to block them. What are the options here? or do we continue to suffer at the hands of these agents sellers
ThanksBasically if I can get some money taken off the price of the flat then I can buy as long as issues easy to remediate. And if I try to sell after then people will get lending initially (just as I did) and given that a proportion of people will not do own survey then i can sell the property easily without me having to do any works after my purchase.
why stop with the agents?
The agent only is in charge of the advert / discussions on sale0
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