Sarnie

Always lurking 

Who is the lender?

1 hour ago, nowhereboy said:

Thanks for the response Sarnie! 

 

I feel absolutely sick with worry today, I can't help but feel that people within the industry are obliged to state we should tell them as they can't exactly go around telling people to hide things from lenders. 

 

I've read stories on other forums where people have fessed up and lost everything, I've also read many threads in which people have kept quiet and been successful. 

 

We have paid a very high broker fee to obtain this offer, we have simply ran out of money to pay another 4 figure sum if the broker requires more money due to needing a new lender. We have used a specialist broker and had limited options for providers to start with, we feel very lucky to have obtained a good rate from a high street lender and the mortgage may become out of reach if we need to use another lender. 

 

The bottom line here is we are at risk regardless of what decision we make, it's just trying to work out which option contains the least risk. 

 

 

No........the people from within the industry are the people giving you good, qualified, experienced advice.

Everyone telling you to lie and commit mortgage fraud are the idiots........none of who will be around to pick up the pieces if this goes pear shaped after following their advice.

You can take control of this and deal with it with the broker and then lender.

Or you can continue to be stressed out of your eyeballs every single second until completion............

On 21/04/2019 at 08:08, Mikevv said:

^^Love this!!

Just now, Ian said:

 

life got in the way of this place. In the last year, I bought a house, got married and had a baby (not me obviously but the wife)

 

 

Aaaaaaaaaaaaaaaand??? poor poor excuses................

On 29/06/2019 at 07:47, Ian said:

trader now.........and still less posts than me, WTF you been doing!?!? 

Wow.

Can't believe what i'm reading in most of these posts.........the "advice" from people on here is basically to encourage mortgage fraud.

I'd love to reply to every single one to explain why it's incorrect but I simply don't have the time these days that i used to have!

Whoever scoffed at being "blacklisted for life"............google "CIFAS" and "Mortgage Fraud" and maybe even "Hunter System".

I've come across 3 client with CIFAS markers against them...................impossible to get them a mortgage with any lender in the UK.

Anyone that thinks lenders do not check details all the way up to the release of funds is deluded.......I've had clients report to me that the lender phoned their employer and asked for them to check they worked there, re-credit scored them a week before completion, requested new payslips before completion......I even had a client contact me for help after he bought a property as a BTL, moved into it himself, the lender checked the electoral roll 3 months after completion, found him on it and recalled the mortgage immediately.

Playing dumb will not help you. Every single mortgage offer in the UK will stipulate that you have to inform the lender of ANY changes whatsoever to your circumstances.

OP.....thanks for the PM........call (not email) your broker and ask them if they could tell you what the lender would require if you were to change jobs. From what you've said, no probationary period will help........they may want to delay completion until she has started her new job.......affordability shouldn't be an issue.......at worst it gets delayed slightly, the developer just wants to sell the property and may kick up a fuss but even they don't want to just get your 10% deposit......they want 100%, even if it's delayed, not to get 10% and then have to start from scratch with another buyer at a potentially lower price.............

Good luck!!

Liam

Most of you won't know me........the ones that do probably don't want to!! 

Seriously though........early 2000's......this site was my life almost!!

Back lurking 

Join Team McLaren 

PLEEEEEEEEEEEEEEEEEEEASE tell me that's not a........... "His & Hers" number plate............................

I have a V8 too Hugh.............

16 hours ago, Ebized said:

 

"This one also benefits from the 19" Nismo LMGT4 Rays, which are immaculate as I will describe in more detail below, and are painted in Rays Bronze."

I might have been away from here for  a while Colin.......but I can still read

They just "look" small to me.........

Nice........wheels look small though? look like 18's? Might be my eyes...............

Old school 

21 hours ago, ioneabee said:

not exactly subtle is it 

Ha...........never really been a subtle type of person 

11 hours ago, P15UL T said:

Wouldn't mind buying this car off you too  do you take IOU's ?

Yes....along with unwanted girlfriends, children and stubby aerials.....

On 27/05/2017 at 09:55, Ebized said:

 

You should be in politics with an answer like that - come on you tease tell us what you will be driving next

Sorry for the delay Colin!!! 

Liam how's the mclaren?

Gone............new one due in a couple of weeks!

 

 

Now with you that could be a car or baby - so what model or sex?

Car!!

Certainly not a baby...........well, I bloody hope not!!!

Nice..............didn't these cars have decals?

They do, but some folks prefer them without .

Is this still the same car you bought from me!!??!?

Your car list starts and ends with an 03 Zed.........I don't know which way the list goes!?!? :lol:

V2 usually comes after V1

You must be seriously bored......... are you still on holiday and have run out of things to surf on t'internet?

Stay out of it trouble maker!!

Liam how's the mclaren?