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Paul Marvell

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Review of the Aldermore, Mortgages:

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Computer Says No

Applied for a Mortgage with Aldermore as it was the best option at the time. Advised long lead times as they were specialist, which was fine, but did not expect the 'extra' documents which added time, and always going over the timeframes mentioned to our advisor. Twice we were asked for more documents. Why wasnt the second set of documents requested at the same time as the first request. This started delays that were unnessersary. After 7 weeks, we were declined, for my Partner only working in her industy for less than 2 years, although having 3 years of books. Due to her being an entertainer (fire performer), the pandemic stopped live events and she carried on being an entertainer online. Shes been earning through being online for 23 months. Aldermore state that they use a bit of common sense when assessing applications, but the reasons for declining our application seem like a 'computer says no' moment. They also waited 14 (working) days to come back on our appeal when our advisor was quoted 10 days. Finally, they don't see the pandemic as a reason for people to need to change jobs (paraphrased from a conversation between Aldermore and our advisor). Again showing how they are not reviewing applications on an individual basis. Reviewed on: 7th July 2022

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