BillyCabrio

iTrader: (1)

Anyone have or heard of Accord Mortgages?

Anyone got their mortgage with them?

Just curious as to their leniency with new applications?

It pi$$es me off that ALL mortgages are judged by a computer now, unless they get referred.

No human involvement what-so-ever.

Should find out today or tomorrow the results on the re-mortgage to them, just hoping we dont get a............



FINGERS CROSSED.

*Anna*

Christ it had so better be good news.

pugo

if your having probs getting one.............i know someone that can fix it......

let me know and i will pm ya the number

Renton

I bank with Abbey and made an appointment to see someone in the branch about a mortgage. They take a far more personal view of things if you're face to face and they know your finances.
That meant I could borrow more than a computer would usually allow...

Also helps if you say you'll take out their life insurance, house insurance and payment protection. Then cancel those after they've agreed the money and get them with much cheaper firms!

BillyCabrio

iTrader: (1)

Its not the borrowing amount thats the issue, its the fact that when ya apply they run all ya details thru the ol'computer and it checks against Equifax and Experian to see if you have any credit problems etc......

If ya know about credit files then even tho you may apply for something and decide not to go with it, it leaves a 'foot print' on ya file and even these, although harmless can count against you.

So basically you cant shop around 'too' much for a mortgage or any other such credit as in the end it'll count against you.

BillyCabrio

iTrader: (1)

Cheers Matt. Its getting quite annoying now.

swrsturbo

I was struggling to get a mortgage because prior to then I hadn't had any other credit elsewhere, my own bank Halifax wouldn't give me one, but i got one With Northern rock, they don't use credit scores or summat and also lent me 3.5 times my income, and they're not one of these "we'll give anyone a mortgage but we'll skank your eyes out on the interest" company.

BillyCabrio

iTrader: (1)

TheBishMan works for Northern Rock, i'll think you'll find they prob do use a credit score. Would be unusual to lend ya money cos you look honest 'guv'

swrsturbo

Im only telling you what my impartial financial advisor told me, put it this way, when no-one else would lend me the money, they did, I don't think they rely on experian for their decision

BillyCabrio

iTrader: (1)

Yeah i relise that mate, but no one lends anyone any money if your a bad credit risk. And the peeps who dish that info are Equifax and Experian.

At least your sorted tho, thats all that matters.

pugo

as i said, this person will get you a mortgage with one of the big mortgage companies.........no ass smacking interest.....and your history doesn't matter

a mate of mine is still bankrupt, his wife don't work and they have just got a Ł235k mortgage

the offers there dude

BillyCabrio

iTrader: (1)

Go on, PM me the info you have on this miracle worker!!

TheBishMan

Fudgey

iTrader: (4)

my missus went to see a mortgage advisor on monday, we can borrow 119k

im lookin at a house tomoz (she already looked with her mum) and if i like, we will make an offer


prices are fookin rediculous tho

126k for a SMALL 2 bed semi

c*nts

nickyboy

I'm just selling my 2 bed ex council flat for Ł140k

Got to pay off what i borowed to renovate it and buy a cheaper one bed place just for me, then remortgage to buy a Lightning

TheBishMan

Count yourself lucky fudge, that'll buy you a 1bed flat where I am!!

Fudgey

iTrader: (4)

yeah i guess, but we want to live in a nice ish area (in swindon lol) and we could get a 3 bed in a piky part

fukk it, its got a garage, itll do lol

BillyCabrio

iTrader: (1)

Might find out some news today