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will cooperative check I'm still employed for new fixed deal with them

I have a mortgage with Cooperative which is coming to an end soon. I have recently gone self employed. I am booked in for a mortgage advice appointment with them to look at the rates available to me. They have sent me a Pre-appointment Mortgage Questionnaire and it asks about my employment. Will they check if I say i am still with the same employer that I was with when i initially got the mortgage 5 years ago? I have paid every month on time without fail

Comments

  • la531983
    la531983 Posts: 3,470 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Cancel the appointment and just pick a new rate if you are worried?

    Ive just done the same with Barclays. Picked new rate in the app. No credit check, no request for statements, no nothing, not sure why it needs an advice appointment?
  • Normally you can select a new rate without speaking to anyone (Co-op do this as my partner recently did it) and no questions are asked but as you seem to be wanting to speak to an advisor they have asked the question. My advice would be don't be tempted to lie if asked the question - the repurcussions go way beyond your mortgage.

    Did you not get a letter with your options and if so can you not go with one of them and cancel the appointment.
  • They have no app as yet as I was with platform and they then got taken over by Coop. they said they are working on an app. But thats a good point I could just ask for the new rates over the phone or in a letter. I dont actually have my letter yet, I was calling as I realised I didnt have an online account and they told me they dont do them yet then we got talking about it and I agreed to a bit of advice. I might just not fill out the form and see if she still calls and I will just ask her for the rates. thank you for your thoughts on this
  • Normally you can select a new rate without speaking to anyone (Co-op do this as my partner recently did it) and no questions are asked but as you seem to be wanting to speak to an advisor they have asked the question. My advice would be don't be tempted to lie if asked the question - the repurcussions go way beyond your mortgage.

    Did you not get a letter with your options and if so can you not go with one of them and cancel the appointment.
    I've not had a letter as yet as I was just calling to try to access an online account so I could check my rates that way. But they dont have one sorted for those who dont bank with them yet, but its in the works. I think i will call back and cancel and wait for my letter. thank you so much 
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