Hi all,
I am a family member of an EEA citizen , and have residence card of an EU national family member valid for five years. Both of us have been working in the UK for more than a year, and have long term jobs.
We jointly applied for a 85 % LTV (15 % deposit)mortgage, with myself being the first applicant. We paid a product fee,and our application was submitted after initial verifications. The mortgage advisor got back to me last week stating that there is a problem with my residence status and queried my visa status and thereby residence eligibility for a mortgage.
I explained him clearly than am a non-EU spouse of an EU citizen exercising EEA treaty rights and should be eligible for a mortgage like other EU citizens. . I also sent him links of websites suggesting the same. Yesterday, he called back and told that my residency is not a problem now, but since I do not have unlimited leave to remain or permanent residency, we will not be eligible for a 15 % deposit mortgage, and have to furnish a deposit of 25 %.
We are hugely disappointed as this is totally unfair, and it implies that the Bank is treating neither me nor my wife at par with UK. EU residents. We had disclosed both our residence status in the UK from the start, and were given a promise of 15 % deposit mortgage.
I would like to know whether we are eligible for the same mortgage rates/ types/ products that are available to British citizens and people who have unlimited leave to remain? On the Bank's website it is clearly stated that EEA applications should be treated on the same line as British citizens. Would that not apply to our joint application? Could you please also let me know if there are any agencies where we can lodge a complaint?
I will be grateful for your advice.
Thanks so much.
A
I do not know where to post this question, but do apologise if it is in the wrong section
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