there are so many to choose from!!!
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Why do you specifically want a broker?

Did you use the financial websites from your last post about mortgages? If you found one you liked, just approach the lender directly.

You don't need a broker unless you need something specific or have specific problems such as CCJs, buy-to-let, etc. Then a broker may be able to find a better deal for you than the High Street.

because my bf credit is poo
lol
i went on the site for advice and one man offered to help me but wanted all kinds of info
like
national insurance nums
what qualifications did we get at college
copy of passport

all sounded very dodgy so has put me off big style!!!!
xxx

I can understand wanting a copy of passports or NI numbers - that'll be because the banks/building societies are strictly regulated and are penalised hugely if found to be supply money to any terrorist groups, and illegal immigrants are faking ID's to get all sorts of credit but the college certs seems a bit extreme! Well done for walking away from that one!

No recommendations - sorry, we got ours via our Estate Agents first time round (15 years ago!!) and we've got a One Account now which is an off-set mortgage, and I've only had the two!

here is what he asked me:
and keeps asking me!!!

Hi Lisa

OK some basic details that I will need for both of you are:

Title

Marital status

Full names

Date of birth

Nationality

NI Number

Last 3 year address history - (including dates moved in and out of the address – do not have to be exact, and also status at that address i.e. owner, living with parents, renting etc)

Home number

Work number

Mobile number

Last 3 year employment/study history (including start and end dates- do not have to be exact)

University studied at:

Year graduated



Current job title

Current employer name and address and telephone number

Current income

If self employed last 3 years income figures

Savings set aside for deposit:



List any financial commitments outstanding i.e loans/credit cards (for each please list company, amount outstanding, monthly payment, end date)

Which bank has you main current account

Bank name

Bank address

Sort code

Account number

How long with the bank?

Explain in detail what type of property you are purchasing address is? (i.e. 3 bed converted flat with 99 year lease remaining)

Year built

What floor is the flat on?

How many floors does the building have?

Is it ex-local authority?

Does the building have a lift?

How many baths, kitchens, garage, receptions, parking spaces?



Estate agent details

Solicitor details

I’ll also need a copy of the following documents and details when agreed:

Estate agent details

Solicitor details

Copy of your current valid UK passport

Copy of contract

Copy of a utility bill in your name at current address – not more than 3 months old Last Bank statement Last payslip P60



With this information it wil make it a lot clearer, and I'll be able to see if we can look at anything for you both.

Is there any way you can scan and email a copy of the credit reports?

Sounds all pretty normal actually - I still don't understand why they need to know about college qualifications I didn't get any, so it made no difference!!

why would he need my account num and sort code?
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have you tried one of the high street brokers ??? the mortgage centre i??? if you go in they will find you a mortage i use them as they independent and use all lenders you do have to give a copy of your passport...it's to do with money laundering !!!

It's to check your credit rating with the bank and confirm you are who you say you are, that you are a good banking customer, they'll get a reference from the bank basically. It's standard procedure to ask for this kind of info.

It's nothing more than they would have if you gave them a cheque as all this detail on there anyway, but we don't tend to worry about handing a cheque over, it just rings alarm bells if someone asks for the details

Hi Buttonmoon,


I am a mortgage broker by day.....and evening ......oh and weekends!!!...how do I get any time to do nails?? I have been an independent broker for 3 years now, and have NEVER had to tell a lender from which university one of my clients got thier qualifications. I find that a bit amusing, although it is odd - I don't think there is anything fishy about it...I can't think of anything dodgy that he might use the information for, but if you don't like the question don't answer it.

With regard to your bank details, he will need them at some stage so that the new lender can arrange a direct debit, but on MY first contact with a new client it is very rare for me to ask for their bank details unless they have pretty much agreed to go for a particular mortgage and I can do the paperwork there and then.

As I said before, if you don't like the question don't answer it.

Regards

Simon.

there is a house we want but sum1 made an offer and the lady has accepted it, but that was a year ago and she cant move out till she gets a house from the council (probably never!!)

can we still buy/put in an offer?
x