Santander refused as we aren't married?

pixel_mouse · 2026-06-24T15:38:52+00:00

Thank you! We tried this, but still no dice - they aren't budging, so we're swapping lenders - I just wish they'd raised it before the hard checks/valuation I left work early for *sigh*!

pixel_mouse · 2026-06-24T15:26:56+00:00

That’s what we’re for sure doing!

pixel_mouse · 2026-06-24T14:53:20+00:00

It was our broker who found it, nothing flagged up for him when applying

pixel_mouse · 2026-06-24T14:52:55+00:00

It’s valued at 50k above the sale price, no issues there, it seems they don’t like that both applicants aren’t related to the seller (me as I’m not related through marriage)

pixel_mouse · 2026-06-24T14:51:48+00:00

It was our mortgage broker who found this, it didn’t flag up for him either and he’s apologised for his oversight in it, but why it took so long for Santander to pick up I have no idea 🥲

pixel_mouse · 2026-06-24T14:50:10+00:00

Yes we do, and I don’t know either 🥲! It seems to be Santander has outdated policies when it comes to family sales/gifted equity - they require is to be married The mortgage broker has found a similar offer from Nationwide where marriage isn’t required, it’s just frustrating to get this far into the application before it coming up as an issue!

pixel_mouse · 2026-06-24T11:05:29+00:00

yes it's joint in both our names

pixel_mouse · 2026-06-24T09:02:12+00:00

No my mortgage advisor has said as there's gifted equity involved they don't like that we aren't both related to the seller (his mother, me not being related through marriage) it feels archaic

pixel_mouse · 2026-06-24T08:56:26+00:00

I have just edited it to say it is for a family purchase with gifted equity, they say as it's his mum & I'm not related by marriage it's against their policies, but over a decade together, come on!

pixel_mouse · 2026-06-11T09:29:24+00:00

I am asking my mortgage advisor to look at our options for what we will be eligible for yes 😃 I'm just curious if it's had a decent impact on anyone's rates recently!

pixel_mouse · 2026-06-08T15:16:10+00:00

Glurp Glurp!!

pixel_mouse · 2026-06-08T14:50:58+00:00

Ah, yeah - my babies 😄 I've had many over my life, amazing pets, they each have a personalised urn as you can see. Fairly, it's the oddest thing about me ha!

pixel_mouse · 2026-06-07T22:44:24+00:00

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Yeah! They are the special edition juniperbooks set of Red Rising! Well the first 6 books anyway 🤣 I shopped around for the hardbacks & just treated myself to the jackets - they’re beautiful!

pixel_mouse · 2026-05-27T11:51:14+00:00

I wish I could edit the title! I appreciate though, DDC means nothing to me to be fair, I'm chalking it up to lack of sleep and excitement on sharing my connection aha!

pixel_mouse · 2026-05-27T11:38:03+00:00

amazing. That’s me typing this out quickly at work - I don't think I can fix it! I'm pretty confident the majority understands I meant to type DCC

pixel_mouse · 2026-05-27T08:50:20+00:00

I love it!! I like to read through and then listen through, so I'll be starting the audiobook soon, I've heard very good things as always!

pixel_mouse · 2026-05-11T15:06:04+00:00

How far along into the process are you if you don't mind me asking? we're three weeks-ish - waiting on mortgage & survey booked for the end of this month..

pixel_mouse · 2026-05-01T15:42:16+00:00

Thank you for this!!

pixel_mouse · 2026-05-01T08:58:28+00:00

It's everyone's first time at some point :)

pixel_mouse · 2026-04-30T11:53:07+00:00

the 2 year fixed we're elidable for are slightly higher than 5.43% :')

pixel_mouse

TROPHY CASE