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Mortgage lender raising enquiries after offer

3 replies

Jessuk86 · 19/08/2019 22:47

Is it normal practice for a mortgage lender to ask questions after they have given an offer?
Basically we were supposed to exchange last week but it's been delayed as barclays our lender said they couldn't release funds first because the address was wrong on the title this got amended Friday so we thought we would be good to go this week. Now they are asking our solicitor additional questions about our purchase things like has the cavity wall insulation been paid for? And have we got insurance as there is a risk of subsidence in the area? Surely things like this should have been asked before the offer? Or is this normal?
We are currently holding up a chain and I can see it all falling apart as we are due to complete Wednesday!!
I'm trying to not stress and accept it is what it is, but just wondering if anyone else has experienced this kind of thing?

OP posts:
Scholesfan · 21/08/2019 04:02

It's their money on the line, so they're entitled to ask questions.

It is likely your solicitor has shared info from the searches/enquiries with the lender, hence the questions?

isabellerossignol · 21/08/2019 04:44

This is totally normal, they'll be acting on things that have come to light as a result of the survey and the solicitor's searches. They can't have asked for these things before the offer because they won't have been aware of them.

Mileysmiley · 21/08/2019 04:55

This is entirely normal I'm afraid .. you would be surprised how many times people committ mortgage fraud. Somebody I know was sent an account number my their solicitor to pay a deposit into for their house and it was a con. So my advice is also ring your solicitor to check if it is them sending you the email and not a scammer. There are some very clever people on the net who will try to scam you.

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