hi, does anyone know a sympathetic lender who would give second decline for mortgage ?

[chris3592]

hi, my iva ends in feb next month, i have an equity clause in the agreement, and like so many others there is very little equity in the house. my problem is getting the second decline for a remortgage. Payplan provided one but i need another one. i have tried ringing direct to the banks etc and tried online, i get refused but no confirmation. can anyone help, do they know of a sympathetic lender that will provide me with the required confirmation that the mortgage request has been declined. thanks

[Sensible77]

Hi, Chris. Have you tried your current mortgage provider? Mine was happy to do a letter declining a remortgage.

[Niobe]

I used my current mortgage lender and the secured loan provider and had no problem with getting the rejection.

[chris3592]

hi mortgage provider have said they should be able to help, thanks for the response, all to all those out there there is light at the end of the tunnel

[Niobe]

Glad you got that sorted Chris.

[angelbear]

What a turn around where we all want credit refusal to move forward

[MelanieGiles]

Try any Independent Financial Advisor locally to you chris3592 - but I suggest that you do not mention that you need this for a current IVA as they may have no appetite for spending money on a worthless application.

In my firm we have a link (not financial - merely professional) with a local firm of IFA's who will provide the necessary confirmation - after a proper factfind with our clients - at a cost of £100 which is paid out of the IVA funds. Maybe your own IP has similar arrangements with someone.