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Original poster

Absolutely desperate: anyone here ever lied on their mortgage application?

139 replies

bibby2001 · 05/08/2021 21:15

I have basically been told that neither of my jobs will be conisdered as income because one is zero hours and the other is fixed term.

I make probably around 26,500 a year, so plenty for a mortgage.

The zero hours contract alone makes up 16,000 of that, so what's the harm in sending the bank an altered contract to say that I am employed permanently and part-time? I am consistently working these hours and there is no risk of them disappearing.

I have started the process of pleading with my employer to change my zero hours to a proper contract but I'm unsure of how fruitful this will be.

OP posts:
Benaberry · 05/08/2021 23:22

Don’t lie.

Advice above to speak to a broker is the best - I’ve just spoken to DH (a broker) and he’s said that the situation isn’t impossible based on what you’ve said here..

If you want to have a chat, by all means message me and I can pass on his contact information.

Livelovebehappy · 05/08/2021 23:29

If they find out you’re lying, they’ll also add your name to the CIFAS register, which will have a big impact on your credit rating.

SpaceRaiders · 05/08/2021 23:29

I wouldn’t go as far as forging documents to obtain a mortgage, that’s partly what led to a tightening of lending post 2008.

In reality despite what everyone here is saying, I very much doubt there’d be significant repercussions, if anything you’d be found out before exchange, the lender would withdraw their offer. And you’d be back to square one.

Get yourself another broker who can find you the best deal to suit your circumstances. If you need recommendations I’m sure plenty here would be able to advise.

PastMyBestBeforeDate · 05/08/2021 23:38

When I got my current mortgage it was with my bank and I think they took payslips as evidence plus the evidence of my account history but I did have to state my employment on the application form so you would still have that issue.

Dorisbonson · 05/08/2021 23:40

They won't ask your employer for a reference that's rubbish. They want 3 months payslips and bank statements and want to know you are past probation. The bank statements are to see your salary gets paid. They won't need your contract.

I talk to a mortgage broker almost daily (he must hate me) about similar issues and have done for a year. I have multiple mortgages and complex financial arrangements. Only one needed my contract and that was during a probation period.

99Red · 05/08/2021 23:42

Nationwide will consider zero hour contracts if you have worked in the same industry for at least 12 months (doesn’t have to be same employer), they will also consider fixed-term contracts if you’ve been employed for 12 months or have 24 months left on the contract. I just got a mortgage from Nationwide with only a job offer.

Don’t lie, try a different mortgage broker.

whynotwhatknot · 06/08/2021 00:00

You need a broker and maybe ask you aunt if you feel she will do this for you but dont lie

PluggingAway · 06/08/2021 00:45

I'm usually all for bending the rules, but I think lying about your employment situation on a mortgage application is a whopper of a lie. I personally wouldn't do it.

A much better option is to get your employer to give you a proper contract. If you are so certain that there's no chance of your hours disappearing then they should be happy to give it to you. If they refuse then I would take that as a sign that your position is not as secure as you think it is.

MrsBede · 06/08/2021 07:48

I got a mortgage in 2004 when I was temping and about to do teacher training for a year. Exh, then dp, was also temping, though had been with the same people for years and was well paid. We had a £60k deposit and were buying a £100k house. We were turned down by a few places (knew nothing about brokers then!) but the man in Halifax was very helpful. I believe he bent some rules himself tbh. He said it was pretty risk free for them considering the figures. He rang me at work on the direct line I'd given him and said 'I'm just checking you work here which you obviously do as you've answered the phone, haha!' and hung up... It was a stressful time as a lot of places were very risk averse with us, even then, but no way would I have lied. It's one of those things where the worst outcome is probably unlikely, but if it did happen it would be utterly life-changing and therefore it's just not worth it.

Catflapkitkat · 06/08/2021 08:01

I did it but in 2003. Complicated work history, I only needed to show 3 or 4 consecutive payslips. I bought some made up ones online, I can't remember what it was called but they boasted they that all details and records would only be kept for 24 hours.

Like I said it was 2003, things may have tightened up. For me, it was just 'paperwork' all the financials were in place and I have never missed/been late on a mortgage payment.

When I moved and the flat was sold my circumstances had changed and I was able to provide legit paperwork.

BananaMilkshakeWithCream · 06/08/2021 08:03

I would definitely try a mortgage broker. Don’t lie whatever you do because if you get caught you’ll never get one in the future.

RitaFires · 06/08/2021 08:51

Don't lie, anyone who has posted about getting away with it did it long enough ago that it really isn't relevant to how your application would be processed today. It really isn't worth it and a criminal conviction for fraud would follow you and limit you for life. There must be ways of getting your income taken into account, it would be worth talking to brokers about becoming mortgage ready so that you can put a plan together.

Hoppinggreen · 06/08/2021 08:54

Missing out some minor information or massaging numbers slightly is one thing but altering documents is fraud and a really really bad idea.

user1471554720 · 06/08/2021 09:09

People are frightening the OP. I think a lot of people stretch the truth on these applications. I look around me and see people way younger than me, who I know are in bar work and trades getting mortgages. If you are completely honest you will wind up with no house, despite working hard. My mother guaranteed mine as I was completely honest on my application.

A lot of jobs will say you are zero hours, even though they have ongoing work for you. They don't want to commit to giving you x hours a week. A lot of jobs just won't make people permanent.

The only way this would end badly is if you lost your job and couldn't get another at similar pay. If you are in a large town with some job opportunities you should be ok.

TableFlowerss · 06/08/2021 09:10

People suggesting OP lie, do you honestly believe they don’t check and that they just take the applicants word for granted? And there would be no consequences?…. 🙄

That’s the problem with asking randoms, they really have no clue of the implications.

I hope this thread has made you realise it would be a silly idea!

Neverrains · 06/08/2021 09:14

@user1471554720

People are frightening the OP. I think a lot of people stretch the truth on these applications. I look around me and see people way younger than me, who I know are in bar work and trades getting mortgages. If you are completely honest you will wind up with no house, despite working hard. My mother guaranteed mine as I was completely honest on my application.

A lot of jobs will say you are zero hours, even though they have ongoing work for you. They don't want to commit to giving you x hours a week. A lot of jobs just won't make people permanent.

The only way this would end badly is if you lost your job and couldn't get another at similar pay. If you are in a large town with some job opportunities you should be ok.

That is not the only way this will end badly, by a long shot. I work in this area. Adapting documents is fraud and carries a prison sentence. Please don’t advise people on serious matters when you know nothing about it.
Original poster
bibby2001 · 06/08/2021 09:17

i have a £50,000 deposit (from hard work, not daddy)

OP posts:
TableFlowerss · 06/08/2021 09:19

@user1471554720

People are frightening the OP. I think a lot of people stretch the truth on these applications. I look around me and see people way younger than me, who I know are in bar work and trades getting mortgages. If you are completely honest you will wind up with no house, despite working hard. My mother guaranteed mine as I was completely honest on my application.

A lot of jobs will say you are zero hours, even though they have ongoing work for you. They don't want to commit to giving you x hours a week. A lot of jobs just won't make people permanent.

The only way this would end badly is if you lost your job and couldn't get another at similar pay. If you are in a large town with some job opportunities you should be ok.

🤦‍♀️ They might work in a bag but have a 40 hour a week contact. Maybe they were given a lot of money by a relative. You’ve no clue.

They want to know absolutely everything. It’s once thing saying to spend £70 a week on shopping when you spend £80 but to lie about your actual hours etc is a whole new level of wrong.

It’s fraud by deception. If the bank didn’t care who they lend money to, there would be no application process for anyone and they wouldn’t want to know all of your financial details.

All the people that rent and have dove for years and have never missed a payment, yet they can’t get mortgages even know they can prove they’ve paid on time for years and can afford it. They still can’t get a mortgage if they don’t meet the threshold.

It’s not ideal but to lie is just not going to end well.

TableFlowerss · 06/08/2021 09:20

bar

Original poster
bibby2001 · 06/08/2021 09:20

OMG yessss please put me in contact with DH if he thinks it's tenable, although you should warn him I haven't been in the job very long so I don't have the 12 months everyone keeps talking about.

OP posts:
Neverrains · 06/08/2021 09:21

I have been professionally involved in 6 cases of mortgage fraud that have resulted in prison sentences.

TankFlyBoss · 06/08/2021 09:21

We were asked if we planned to have more children. Of course we lied.

Neverrains · 06/08/2021 09:23

@TankFlyBoss

We were asked if we planned to have more children. Of course we lied.
Which is of course a very different kind of lie to altering contracts, because it’s a lie that can’t be proved in any way.
KihoBebiluPute · 06/08/2021 09:25

Don't lie, but you might be better off pursuing the option of getting your zero hours contract converted to a permanent contract with fixed hours.

Take a look at the "inappropriate use" section of the .gov.uk guidance on zero hours contracts - if this applies to you then be more assertive in insisting that they regularise your situation - not "begging and pleading" but holding them to meet reasonable obligations under the law not to misuse the zero hours contract when they actually have fixed requirements.

Absolutely desperate: anyone here ever lied on their mortgage application?
eightlivesdown · 06/08/2021 09:27

Agree with those saying don't. Good chance of bank finding out, likely to be blacklisted and unable to get a mortgage, loan, credit card, etc. in future.

Speak to a (or several) mortgage brokers.

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