Some months ago Nationwide approved my girlfriend for a mortgage, 15% deposit. They issued all paperwork and did the house valuation etc. They were asked to add her middle name to the mortgage offer, they rechecked her and have now turned her down as she no longer meets the 'score'.
The sale has been dragging on because of retention & surveys. By the time surveys done & retention lifted, mortgage broker said there was a better rate available saving £25pm. My GF told broker to go for new rate, solicitor said mortgage docs needed to state her middle name.
NW said all ok with new rate, but a different department at NW needed to add her middle name to the docs and they have rechecked her credit report and says she no longer meets their internal 'score' for the mortgage.
Broker is trying to sort it & someone at NW is looking at her 'score' but can anyone offer any useful advice or guidance?
The financial details of the mortgage have not changed (just the interest rate), nothing has changed in regards my girlfriends credit worthyness, but she no longer meets the score. I'm not sure who missed her middle name off the docs (broker or NW), but surely she can't be made to suffer because of this? She didn't give permission for another credit check either!
The sale has been dragging on, all searches etc have been done and costs incurred with solicitors. She is now really worried that she will lose the house. She already had to wait 1 month from NW receiving a survey, they asked for, to getting their reply saying 'retention lifted'.
Please help. If she doesn't get approved is legal action worth considering? EG they saw her documents and missed her name of the original offer, she requested her middle name was added but didn't agree to another credit check etc
The sale has been dragging on because of retention & surveys. By the time surveys done & retention lifted, mortgage broker said there was a better rate available saving £25pm. My GF told broker to go for new rate, solicitor said mortgage docs needed to state her middle name.
NW said all ok with new rate, but a different department at NW needed to add her middle name to the docs and they have rechecked her credit report and says she no longer meets their internal 'score' for the mortgage.
Broker is trying to sort it & someone at NW is looking at her 'score' but can anyone offer any useful advice or guidance?
The financial details of the mortgage have not changed (just the interest rate), nothing has changed in regards my girlfriends credit worthyness, but she no longer meets the score. I'm not sure who missed her middle name off the docs (broker or NW), but surely she can't be made to suffer because of this? She didn't give permission for another credit check either!
The sale has been dragging on, all searches etc have been done and costs incurred with solicitors. She is now really worried that she will lose the house. She already had to wait 1 month from NW receiving a survey, they asked for, to getting their reply saying 'retention lifted'.
Please help. If she doesn't get approved is legal action worth considering? EG they saw her documents and missed her name of the original offer, she requested her middle name was added but didn't agree to another credit check etc