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Applying for a mortgage

Hussain457
Hussain457 Posts: 6
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Can mortgage lenders decline mortgage application If the employment reference isn’t filled out on there form.
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Comments

  • Forward the email to your mortgage broker / advisor and ask them what they want you to do to keep your business with them.

    I'm not sure what the reference is required for?
  • sammyjammy
    sammyjammy Posts: 7,300
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    You'll certainly not get DWP budging on this, its there to protect them and the information the staff give out about people.  I agree with @FlyMeSomewhere79 I've never heard of anyone asking for a reference for a mortgage, sounds very old school!
    "You've been reading SOS when it's just your clock reading 5:05 "
  • Emmia
    Emmia Posts: 2,961
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    I can understand the lender wanting copies of your payslips, but a reference from HR?! Sounds wierd
  • Tony5896
    Tony5896 Posts: 20
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    When I took out a mortgage with Skipton they asked for a reference which was a simple does this person really work here and do they earn what they say they do.

    My line manager filled it out and they accepted.. I later found out after a promotion it should have been hr .. 
  • Hussain457
    Hussain457 Posts: 6
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    @FlyMeSomewhere79 My mortgage advisor has told me all this information he said unfortunately we can’t do anything about it.
  • Hussain457
    Hussain457 Posts: 6
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    @Emmia they’re just asking for employment reference to confirm all the details I work there my hours and salary.
  • Hussain457
    Hussain457 Posts: 6
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    @Tony5896 I didn’t know it would be that complicated to get an employment reference out of them.
  • @FlyMeSomewhere79 My mortgage advisor has told me all this information he said unfortunately we can’t do anything about it.
    Hi Hussain

    Is it worth asking your colleagues what mortgage companies they have used because otherwise people like you working for the DWP would never get mortgages if they were all like Skipton.

    My payslips have always been enough to keep my mortgage broker happy.


  • amanda1024
    amanda1024 Posts: 246
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    Could you get your line manager to fill out the form, if it’s just confirming that you do work there etc?
  • Hussain457
    Hussain457 Posts: 6
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    @amanda1024 I was thinking I’ll ask my mortgage broker wether if that’s a good idea or not to ask my manager 
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