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Changing mortgage & disclosure

Moss — Thu, 07 Jul 2016 22:57:05 GMT

Hi,

In answer to a query on my posting. My conviction will never be spent. I am learning to get through life with this fact. I hope my experience of re-mortgaging will be of some benefit to other members.

Moss

Changing mortgage & disclosure

Christopher Stacey — Thu, 07 Jul 2016 22:57:05 GMT

Moss - this is an issue we have come across before and is something we cover in the guidance on the website, because if you disclose to a third-party, such as a broker or conveyancer, it is possible that they will disclose even if you wouldn't ordinarily have to. It is certainly something to watch out of in the future.

Changing mortgage & disclosure

Tough — Thu, 07 Jul 2016 22:57:05 GMT

Is your conviction spent as you usually dont have to disclose spent offences.

Changing mortgage & disclosure

Moss — Sat, 13 Feb 2010 22:50:21 GMT

Hi,

Just wanted to update members of what happened to me when I needed to change my mortgage. Initially I looked at Unlock website and looked at which mortgage lenders asked about criminal convictions and which didn't. I did a bit of research and Abbey-Santander which previously didn't ask about conviction now had on website that they won't lend if you have a conviction. Then I contacted Lloyds who didn't raise the issue so I didn't disclose since I wasn't asked. Then when I contacted a conveyancing solicitor and disclosed my conviction she said that now that I had told her she would have to write to the mortgage lender and disclose my conviction because it was as far as she was concerned a "material fact". If I hadn't disclosed the information then she would not feel obliged to tell the lender. I didn't sign any agreement papers with that solicitor and I changed conveyancing solicitor. This time I decided not disclose unless I was asked. The new solicitor didn't ask, so I didn't need to disclose. My mortgage went through. Incidently the first solicitor didn't ask me to disclose, I just did because I stupidly thought I had to disclose all to my solicitor. It was very stressful since I was under pressure to re-mortgage for various personal reasons and despite the fact that I've got a job and rebuilding my life, it's disappointing that some lenders and some solicitors won't give you a chance but if you look hard enough you'll find someone who will.

Moss