Can I bypass my mortgage broker?

[MsSampson]

Trying to arrange a mortgage with the Coventry currently. We used a mortgage broker (big mistake) and he has been utterly useless. We're now ten weeks in and still no offer because the broker keeps telling us at the last minute about one last payslip or reference that he needs. Usually one we already have him in December.

Last straw was yesterday when we thought offer was imminent and he chips in with "oh you just need to chase your work reference. It was requested eight weeks ago and we haven't got it yet". Ffs. I could have chased it weeks ago. It now needs to be done within a day which requires many calls and emails and would be so much easier if I didn't have to deal with Nigel the useless idiot broker.

He has previously told us we can't speak directly to the lender, but this seems ridiculous. Anyone have any experience of this?

No reason at all you can't ring the Coventry yourself. Do you have any paperwork from them already, which will have the contact numbers and your application number on?

I haven't been in the mortgage arena for some while but Coventry always used to be one of the lenders we used who sent copies of paperwork directly to the client as well as to ourselves as brokers, particularly when there was extra information they were requesting such as payslips/references. I would definitely give them a call - at the worst they will just politely tell you to correspond via your broker but I think that's unlikely.

Thanks sunseed, good to know. I will try them this afternoon.

Seems like you are trying to be too dependent on your broker.....:(
He is incompetent and worse, may have breached his duty of care.
Unless he has rich parents, he will end up poor. Haha - look him in the eye and tell him that - you may be doing him a favour!
Don't hang around, contact Coventry, then Yorkshire Building Society or Nationwide. Decent lenders trying to house people - still not banks.
Good luck.