Starting to think that it isn't the site I'm thinking of! Go back to the developer and say that TMP have qualified you, can you not arrange elsewhere?
I think your best bet is to remember that you aren't tied to TMP to arrange your mortgage. Go back to your estate agent and see if there are other brokers who can assist you with this, particularly if they have arranged borrowing on the site successfully. If they can't/won't provide, then search the local area for other brokers.
Interesting! I'd ask where but I don't want to dox you. Did TMP go through your Homes England affordability calculator with you?
Could it be due to the nature of the construction of the property? I have a few going through on a really energy-efficient site, and the construction is very non-standard, which is limiting lender choices.
Yes, of course. The other poster mentioning the 100% LTV option is still viable for you, have a look for "Skipton Track Record".
As luck would have it, there is a new intermediary only product by Accord that requires a deposit of £5,000, but allows you to borrow up to 99% LTV. Houses only, but might be of help to you if you meet affordability criteria.
I heard you have to be well over 65 to rent it.
For want of a better phrase - the lender doesn't care where the money for your deposit comes from so long as it's legal and within their terms. They won't see penny one of your deposit.
They rely on your conveyancers to confirm its legality and your broker to confirm its source, and if they need a gifted deposit lender then they would have requested it, either from your broker or conveyancer (but more likely your broker).
It's on this form that they confirm it meets their criteria - blood relatives only, immediate family, anyone, etc. etc. which will have been initially confirmed by your broker as suitable for Accord's purposes.
In theory, very little time at all. Your broker should have properly informed Accord of this during your application.
It's to do with legally not being able to offer any discount on first stage formula, as it's the NHS' position that "breast is best" and discounting may incentivise parents to choose formula over breast milk. It's for this reason you also won't ever see it on rollback, linksave or the like.
Their reasoning was (and this is pretty much verbatim) - it happens all the time, teachers are important, they get it and they'll do it outside of their usual rules. IIRC submission docs were 3 months payslips, new permanent contract, old FT contract and most recent bank statement.
Especially especially if the new contract is due to start, at most, three months ahead.
Just had a very similar scenario pass (outside of criteria) with Leeds Building Society.
"Take a receipt" for when you've bought something that requires a receipt for you to return. Otherwise "would you like"
Option 1A - you aim to buy the house outright from both your parents with whatever you can afford. Your parents agree the sale price and the difference between the open market value and the agreed sale price is treated as a deposit of sorts - see Google for genuine bargain price/inter family sale/gifted equity for further information. Then how your parents split the mortgage draw is up to them and you. Note your mum would have to sign a declaration as a non-borrowing resident to waive some of her rights.
A Perfect Circle - Annihilation? The album it was on was released in 2004?
In the nicest possible way - do you smell like porpoise hork?
I learned from Roseanne on an episode of Futurama. Does that count?
I refuse to play your Chinese food mind games!
You lost me at "gripes are due to the general party" and then some more at "Reform isn't that bad"
North Cornwall-ers, who are you voting for in the general election.
Cornwall