Mortgage Declined twice

Pineapple75

It’s really frustrating as I can’t see anything 
I’ve wondered if it’s my age ( 50 this year )
Maybe paying a bigger deposit , but it’s just so annoying as I’ve no idea what could be stopping me getting approved 
Adverse bureau data , not really telling me what this is 
If someone out there thinks I owe them money surely they’d have been in touch by now , not that I owe anything 

prettyandfluffy

Pineapple75 said:

No ccj’s, nothing financially linked to my partner , credit scores both over 940
No missed payments 
It’s a mystery 

Have you read through the entries on your credit report rather than just the headline score? There might be some clues there.

Pineapple75

Yes my mortgage adviser has gone through it and can’t see anything 
Just said adverse bureau data , but no idea what that means 

dunstonh

Are you using a mortgage adviser at a lender or a mortgage broker?
Lender's in-house advisers often don't get to see the data whereas a mortgage broker can.

Pineapple75

I’m using a mortgage adviser 

dunstonh

Pineapple75 said:

I’m using a mortgage adviser 

Then I recommend switching to a whole of market mortgage broker.