Lynnie said:And I don't see how would it make sense for them to offer such an option if their reaction when such an application comes in is "oooh, what could they be hiding"??
A natty black suity number but not ludicrously short a la the legal profession nowadaysLynnie said:Banker chic, I like it dahling!
Latest update is that after two phonecalls to BOS suggesting we (a) forego the interest only period or (b) opt for 92% [during both calls it was strongly reiterated to us that there was no way they could specify why the application was declined], a team leader in the call centre deigned to ring Himself and told him that the reason they are refusing us a mortgage is that we are not in our jobs long enough.
But this is what happens when call centres are involved. Welcome to the real world .Now I am well aware that part of the criteria for 100% is generally "must be in current employment for 3 years" - which is why we made a point of treble-checking with them during our initial enquiries that we would be considered for 100% as we haven't been in our jobs the requisite 3 years.
Ah sure I KNOOOOOOOOW but you are being logical now .....so what . Anyway. The Bank needs to see you and to get the messages in that call centres cannot deal with. In addition to what I said you must sit close together but not ON each other.And we were told explicitly that being recent graduates and in full-time permanent employment negates the requirement of being 3 years in the job and we would be eligible for 219k @ 100% subject to receipt of satisfactory documentation etc
But the rep in the call centre actually checked out our specific situation with the underwriter.NorfBank said:Bank of Scotland 100% Criteria is 2 years permanent employment and not on probation.
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