We at mortgagefrance.com understand the lenders – and they understand us – we work well together. We know how they like a mortgage application presented and we are usually aware of any potential problems you might have before we send the lender your file.

By working closely with you and the lender, keeping everyone fully informed of progress, we are able to react quickly and resolve a problem, sometimes before it has happened.

However, there have been some occasions (and there will probably be others in the future), when even we haven't been aware of a problem, until it raised its head.

Some Pitfalls - case history stories

Problem: Slow Post and Postal Strikes (it happens sometimes) can cause serious delays
Solution: In some situations we are able to use e-mail and fax, even couriers to overcome any problems.

Problem: One client forgot to tell the notaire to apply for the mortgage finance from the lender
Solution: We were able to arrange for a courier to collect the mortgage cheque.

Problem: A client couldn't supply original bank statements - they were in storage with all the other contents of his UK house.
Solution: Copies were available from the UK bank, but at a price! However, faxed copies were acceptable to the lender.

Problem: In one extreme case, a client was rated for life assurance putting the overall cost up to over the 33% limit of net income.
Solution: By increasing the term of the mortgage by a few years we were able to decrease the mortgage repayments to bring it into line with the 33% net income rule.

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