To cut a long story short (I did write it all out but then imagined a sea of tldr;s in reply!) is it considered a massive no-no to call a lender directly to see how the application is going?
My sanity is right on the edge and I am a mess and hardly eating. This is not an over-reaction as we are facing homelessness with four young DC including a baby, and have to leave our local community if this fails as there are no other options as no rentals at all, family etc.
Our broker has been great, but he's on holiday until Tuesday. We need to know the results of the house valuation for the place we are buying that took place last Tuesday asap. If the valuation is okay, we've apparently already passed the worst of the financial checks so we would hopefully get our mortgage offer and we would be saved. He did say he would chase up on Tuesday but has also said it's possible they may know something by Thursday (yesterday) too.
The bank (NatWest) is open on a Saturday morning for calls. I really want to find out if they've looked at it or not yet. Would this prejudice our application? Would the broker find out? I'm sure it would piss him off and I would hate to do that as he's been lovely. But on the other hand we really need some good news or to start preparing for the worst as soon as we can but I don't want to tread on his toes or mess things up.
For the record we've done nothing wrong - we're currently in rented and been model tenants but the landlord has decided to sell up this house he's basically inherited, and is completely lacking in compassion as to how he's going about it. Not that we've asked to stay longer than the two months notice we're about to get, we're decent people and will leave when we're supposed to, but in other ways he's being completely unethical and twatty and inflexible and frankly downright rude. Clearly our usefulness as a financial income is at an end, not that he was ever that nice to begin with. Luckily we know our legal rights and are having to dig our heels in - sadly I don't think he does. Really did not need this confrontation on top of the rest of the house buying worry, and my recent bereavement and DS (3) starting the assessment for SN etc.
STILL an essay. Sigh. Sorry!! Guess I needed a bit of a vent too.
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Calling the lender directly when applying for a mortgage through a broker
7 replies
CrispyFB · 03/04/2015 17:30
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