+x+xI’m just looking for a bit of advice on if anybody has had success or has any helpful information.
I was convicted of fraud back in 2020 for a crime committed in 2018. My conviction doesn’t become spent until 2026/27 but my cifas marker expires In November this year.
We are potentially looking at buying a house and are in a position to have a decent size deposit and someone willing to be a guarantor on the mortgage if needed. We both have good credit ratings.
My question is the advice section lists a number of lenders who don’t ask mortgage brokers about criminal records in applying although when I’ve spoken to a few people, brokers and advice everyone says they are yet to come across a mortgage company that truly doesn’t ask about conditions at all. Has anybody come across one?
I’m going to presume as soon as I mention fraud if asked then they will run to the hills.
Thanks in advance
Hi could I suggest whilst looking at mortgages you do check insurance companies. My reason for saying this I personally have found that some do not seem bothers about past convictions except if they are "fraud".
At one stage I was going to buy a flat (leasehold) but the building insurance that was paid for by the "freeholder", stated all convictions had to be declared.
Please do not take this as a negative but more just for consideration.
Good luck and I hope you are successful.
I'd say that insurance is an important factor here. If the lender insists on you getting your insurance through them, don't bother. There is every chance that the insurer will want to know about unspent convictions. However, if you check Unlock's list of insurance brokers, there are some that should be able to help. On the mortgage front, though, as they are extending credit to you, there is every chance they will check Cifas, and if they don't like what they see, you would probably struggle to get a mortgage. Once that Cifas information is deleted, you shouldn't have that problem, so it would be worth waiting until after you expect the Cifas information to be deleted, then make a subject access request to them, just to be absolutely sure.
One thing to be careful with when you use a broker is that many of them will ask about unspent convictions, even if the lender doesn't normally ask. They will then claim they have a duty to pass that information on to lenders. Watch out for that!
Also, it's always worth checking when your conviction will become spent, just in case. The law changed last year, and that might work in your favour.