Unfortunately have to leave this bad review about this company,but it would be fair. I read a lot of bad reviews and was still hopeful it's not gonna happen with me. We had a mortgage AIP with them , which took 7 days to get through, as it went to underwriters, as a specialist lender they are working with people like us, who has some adverse credit history in past. They knew all our circumstances, issued AIP, then went for a full mortgage offer, paid £500 for valuation, credit check, affordability is all good , we had couple of late payments in past , which are expiring in 5 (!!!) days and we have received a NO from them after 3 weeks of wasting our time and been advised to re-apply after these will expire, taking in account fact , that our house is not built until August this year, which is another 7-8 months to go, they couldn't even give an exception for that silly mistake which expires soon. I will definitely raise an appeal and if needed will reach to CEO and FCA, as this is unfair and we were overjudged. They saying about flexible approach on their website , but it's absolutely not flexible, as they asked us to accept higher fixed rate over longer period and we accepted it. if we wouldn't have small issues in past, we wouldnt got with Kent ever, but only because they are adverse specialists, we had to and didn't know they will get us picked for one small thing of returned DD, which was paid ON TIME later and didn't even cause any late payment. Other than that we fit into their criteria listed on the website + we have a stable income, been working in the same place for 12 years, we have a deposit, on existing mortgage in 7 years never missed a payment ever. e We are serious buyers with stable income well above
average and we have a disabled child, who is desperately waiting for her own room in a new house and now I have so say "No" to her, because suddenly KR is becoming very picky around failed DD, so it's a massive let down from their side, especially after a long wait and they could do a small exception around those 5 days, especially house will be only ready in 7-8 months time.
Reviewed on: 23rd January 2024
Unfortunately have to leave this bad review about this company,but it would be fair. I read a lot of bad reviews and was still hopeful it's not gonna happen with me. We had a mortgage AIP with them , which took 7 days to get through, as it went to underwriters, as a specialist lender they are working with people like us, who has some adverse credit history in past. They knew all our circumstances, issued AIP, then went for a full mortgage offer, paid £500 for valuation, credit check, affordability is all good , we had couple of late payments in past , which are expiring in 5 (!!!) days and we have received a NO from them after 3 weeks of wasting our time and been advised to re-apply after these will expire, taking in account fact , that our house is not built until August this year, which is another 7-8 months to go, they couldn't even give an exception for that silly mistake which expires soon. I will definitely raise an appeal and if needed will reach to CEO and FCA, as this is unfair and we were overjudged. They saying about flexible approach on their website , but it's absolutely not flexible, as they asked us to accept higher fixed rate over longer period and we accepted it. if we wouldn't have small issues in past, we wouldnt got with Kent ever, but only because they are adverse specialists, we had to and didn't know they will get us picked for one small thing of returned DD, which was paid ON TIME later and didn't even cause any late payment. Other than that we fit into their criteria listed on the website + we have a stable income, been working in the same place for 12 years, we have a deposit, on existing mortgage in 7 years never missed a payment ever. e We are serious buyers with stable income well above
average and we have a disabled child, who is desperately waiting for her own room in a new house and now I have so say "No" to her, because suddenly KR is becoming very picky around failed DD, so it's a massive let down from their side, especially after a long wait and they could do a small exception around those 5 days, especially house will be only ready in 7-8 months time.
Reviewed on: 17th January 2024
