FAO

[Murphman]

Your clients online application has been declined.

 

Why?

 

Because one of your clients hasn't been in her job for the minimum requirement of 6 months.

 

But she only earns £12000 per annum, he earns £70000, much more than sufficient for you to offer the loan requested on his income alone, we don't need her income at all.

 

 

But she's only been in her job for 3 months.

 

 

So what, would you lend them the money if she didn't have a job at all.

 

 

Yes.

 

So by earning £1000 per month more than is needed you're penalising them and would prefer it if she were drawing benefits.

 

 

I can't comment on our underwriting criteria, sorry there's nothing you can do.

 

 

What if we re-apply just in his name.

 

 

He's been in employment for more than 6 months so that will be OK we can make him a formal offer of mortgage.

 

 

WHAT THE F*CK??????

[Guest Scot]

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[Jonesy]

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[Cobs]

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[Murphman]

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[Cobs]

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