I'll try and be brief! We're buying a house in UK. We live abroad. I have a British passport. DH has Irish passport but was born in UK so is a British Citizen and is entitled to a UK passport (but won't get one cos it's all political etc. He's from N. Ireland)
Mortgage company, after faffing around and dragging us along for 6 weeks proving way way more than they needed for their money laundering checks, have just announced that they have decided they don't lend to expats who don't have a British passport. Ok - DH is the main earner but he is a British and Irish citizen and they have known this right from the beginning when they saw our passports.
AIBU to suggest that this is discriminatory? I thought all EU passports were supposed to be equal for one thing and they are basically saying that being a British citizen means nothing unless you hold a passport!!
Apart from us living abroad (which they don't have a problem with) and now this passport thing, everything else (massive deposit, earnings affordability, good valuation on the house) is A* so it can't be that they are making excuses.
Also, AIBU to think that they must have known this when we paid for their guy to do a valuation and therefore they really should refund that money as we're now going to have to start again, potentially losing the house because other buyers are now interested and we've already taken so long!!
Am fully prepared to be told that mortgage company can do what they like but is there anything I can do to make them reconsider??
thanks for reading
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AIBU?
to be furious with this mortgage company
43 replies
mortgagefury · 11/09/2011 07:19
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