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EEA Applying for Mortgage
Posted: Sat Sep 10, 2011 2:11 pm
by Zhonor
Has any EEA applicant applied for mortgage before? I was turn away because I'm not holding a PR or a tier 2 work permit. I don't understand why when I have the right to work! Can anyone advise on this? We have already found our dream house and got all the surveys paid and sorted!
Posted: Sun Sep 11, 2011 1:25 pm
by EU_lawyer
I would suggest that you try other banks since not all banks require EU citizens to be permanent residents in order to have a mortgage.
If not, you might want to raise the matter with Your Europe Advice. They can issue a legal assessment that you can then present to your bank and ask them to reconsider their decision.
Posted: Mon Sep 12, 2011 4:24 pm
by darlene82328
My husband (an EEA national) and me (EEA2 dependant) just got our mortgage via Halifax. Did you go directly to bank or mortgage advisor? I would suggest to change a bank or get a Mortgage Advisor
Posted: Fri Sep 16, 2011 3:04 pm
by Zhonor
I'm gonna try other banks! They should have said that EEA residency visa does not meet their requirement before taking the money out of our bank for the mortgage and survey!! That is just unfair of them! I'm hoping they will refund the money to me cause it cost me more than £1000 for the product fee, booking fee n survey fee! They will loan to my husband who is an EEA national but not me!
Thx for the help
I will go check out the other banks
Posted: Wed Sep 28, 2011 9:10 pm
by EU_lawyer
Zhonor wrote:They should have said that EEA residency visa does not meet their requirement before taking the money out of our bank for the mortgage and survey!!
You will find that some banks accept a residence card as sufficient evidence. However, some banks insist on you having been in the UK for a certain number of years (up to 3 years).
Don't be discouraged, you'll be able to find a mortgage provider. Otherwise you may want to visit an independent financial adviser who can search for the best mortgage deals. You don't usually have to pay for such advice as IFA's get paid a commission by the bank.
Good luck!