Hi....I started a job as an estate agent[in the UK] six months ago on a commision only type deal....something I have been doing in Florida for the last 25 years.
I did not receive a regular payslip When I saw a property come up for sale [within the office[ that I liked I made an offer that was accepted.
I was advised by the office to use the in house mortgage broker...which I did.....during my completion of the application with this guy I clearly told him that I did not receive any payslips......he told me not to worry about this because he knew of a lender that would not need any but would only require a letter confirming my employment with the company....that the owner provided with pleasure.
The lender did the valuation,survey and everything was ok.
A couple of days later the lender[Northern Rock] asked for payslips,which of course I could not provide.....the mortgage broker told me that Northern rock must have changed their lending criteria.When I checked with another mortgage broker I was told that N/Rock had changed their lending criteria 10 weeks before I made my application????
Shouldnt the mortgage broker checked this out prior to me paying 450 quid for the survey/valuation and do I have any recourse with this guy,I know I wont get anything back from N/Rock...but shouldnt this guy give me something for his 450 quid mistake?
Thanks for all information. P.S I do not work at the agency any longer. Steve.
