My son keeps 存在 turned 負かす／撃墜する for a mortgage 予定 to 解除する 接近 in the building - what can he do? DAVID HOLLINGWORTH replies

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My son and his girlfriend have been 拒絶する／低下するd a mortgage twice, かもしれない three times, result 未解決の.

The 購入（する） is for an apartment in Southwark, south London valued at £540,000, that is five years old. They are 購入（する）ing a 25 per cent 株 of as first time 買い手s.

Their credit 得点する／非難する／２０ is not a problem but they've been 拒絶する／低下するd by two major 貸す人s on the same grounds of 不十分な 解除する 準備／条項.

Santander 持つ／拘留する the 存在するing 販売人s mortgage but still 拒絶する／低下するd. 全国的な followed 控訴.

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Mortgage help: Our 週刊誌 Navigate the Mortgage Maze column sees 仲買人 David Hollingworth answering your questions

Barclays are valuing a third 使用／適用 together with the 初めの building 計画（する）s. But we're not 楽観的な.

There are 問題／発行するs 伴う／関わるing the 公平さ of the building owners, selling スパイ／執行官, mortgage 仲買人, surveyor, all of whom are 生成するing 料金s 主要な to the same 結果. What are your thoughts??A.K.

David Hollingworth replies:?When 適用するing for a mortgage many borrowers' 最初の／主要な 関心 will be whether they will be 適格の and qualify for the 量 they want to borrow.

But a 貸す人 needs to be sure the 所有物／資産／財産 is 価値（がある） what the 買い手 is 支払う／賃金ing for it in 事例／患者 something goes wrong at a later date and the?所有物／資産／財産 needs to be repossessed to 返す the mortgage 量.?

-?When will 利益／興味 率s 落ちる? 予測（する）s on when base 率 will go 負かす／撃墜する?

The 貸す人 will 要求する the 所有物／資産／財産 to be 独立して valued, to 確認する its 価値（がある） and to 確実にする there's nothing to be 関心d about ーに関して／ーの点でs of the construction and 条件 of the 所有物／資産／財産.?

貸す人s will typically prefer 所有物／資産／財産 that will be straightforward to sell in the 未来.?

Therefore, the breadth of 控訴，上告 that a 所有物／資産／財産 will have on the open market is also important.

The more unusual a 所有物／資産／財産, the smaller the market might be and the より小数の the number of 可能性のある 買い手s might be.?

That could 適用する to something like a 所有物／資産／財産 above 商業の 前提s, 特に something like a takeaway that could 影響する／感情 the 'saleability' of the 所有物／資産／財産.

Some 貸す人s place 限界s on the 最大限 number of 床に打ち倒すs in a 封鎖する and take account of other factors 含むing ex 地元の 当局, open deck 接近.?

Some 貸す人s will prefer to 裁判官 each 所有物／資産／財産 on its own 長所s. There's also likely to be more 柔軟性 on the 最大限 number of 床に打ち倒すs in areas where higher rise is more ありふれた - London 存在 a prime example.

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貸す人s can have 限界s on the 最大限 number of 床に打ち倒すs in a 封鎖する and take account of other factors 含むing ex 地元の 当局, open deck 接近

However, as your son and partner are finding there may be 付加 期待 that a 所有物／資産／財産 above a 確かな number of storeys should have a 解除する.?

This could mean that a 所有物／資産／財産 of more than four storeys (ground 加える three) would be 推定する／予想するd to have a 解除する.?

全国的な can take exception to this 支配する, but its typical 期待 would be for a flat in a 封鎖する above four storeys to have a 解除する, whether the flat is on a higher 床に打ち倒す or not.

Accessibility is 明白に important for any 所有物／資産／財産 and the higher the number of 床に打ち倒すs the more that a 欠如（する） of 解除する will 影響する／感情 the ability to sell.?

Some 貸す人s will have the ability to consider any 所有物／資産／財産 rather than have a rigid 限界, but they will rely on the valuers comments and 推薦. Santander and Barclays would both fit into that bracket.

Unfortunately, that means you are 扶養家族 on the valuer's comments and it's hard to know the likely 結果 in 前進する.?

It sounds like the 購入（する） is from a housin g 協会, so it would be 価値（がある） discussing with them 同様に as 地元の surveyors who know the 所有物／資産／財産, as to how this 問題／発行する was 解決するd in the past.?

That may help give an idea of 貸す人s that have 受託するd the 所有物／資産／財産 before, although as you've discovered it doesn't 保証（人） that the surveyor will take the same 見解（をとる） as others in the past.

It is therefore possible that the Barclays 使用／適用 will fare 異なって and be successful.?

There are a lot of different moving parts in the 過程 but it's in the 利益／興味 of all, from vendor to スパイ／執行官 to 助言者 to enable the sale.

You could however consider 捜し出すing a second opinion if you continue to run into 問題／発行するs.?

If it's still problematic, it's also 価値（がある） considering that 選択s could be 限られた／立憲的な for 買い手s in 未来, if your son and his partner want to sell.