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hippy-
There are some pretty odd reasons underwriters will use to refuse lending. My mate got rejected recently as the flat he was buying was above a musical instruments shop. Getting lending above a chicken shop or bookies will be borderline impossible.
I'm currently jumping through a bunch of hoops as I've lived on a boat for years without using utilities, credit cards, mobile phone contract etc. Never missed a payment on anything and don't use credit as I don't buy things I can't afford, but apparently I don't exist to the Experians of this world.
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That was exactly my reaction. I wonder if he even visited.
In hindsight I should have gone to a branch and got someone to say it out loud without giggling.
kl
grams
They (Nationwide) refused me a mortgage because their surveyor thought there were too many non-owner occupied flats in the building (!) and was therefore completely unmortgageable. So they definitely employ at least one cunt.