My husband and I weren't the most straightforward case due to my self-employment and a bit more complex income situation. However, I don't think we were completely impossible either.We got three different amounts from CLS, which were all in the mid-300,000's. I thought this was quite surprising as I had used a few different calculators, and I did ask CLS if this was truly correct. We were assured that it was. I then accepted it, as that's the whole point of having a broker – they're supposed to know what they're doing and possibly get better deals than a normal person.We then asked for an AIP, which CLS applied for. I don't know which lender they tried, since our particular broker never went into detail of the possible choices or even interest rates, which is peculiar in itself. The AIP then bounced. The broker then jumped to question whether we have dodgy credit history (we don't). Before we could reply, she called the lender, who advised this was due to affordability. So after all the reassurances they appeared to have plucked the amount out of thin air.I then asked how this even happened after we had questioned the amounts before and we had an X amount from a different broker that was lower than CLS had promised.She then seemed to get rather irritated and said that this X amount from the different broker was impossible since there are no lenders offering it in our situation. Our only option was her new considerably lower amount (around 70k below their original amounts) that we couldn't work with or porting our existing mortgage. What on earth?We were then completely through with the process with CLS (taking into account as well that getting any replies to our emails was like pulling teeth). We went to the other broker and now have this non-existent and impossible X amount as confirmed mortgage offer from a high street bank.I don't know what happened. I could make up ridiculous numbers myself, I don't need a broker to do that.They also seem to remove the not so glowing reviews. Mine was removed from a different review site, which weirdly enough pretty much solely has 5 star reviews...
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CLS Financial Advice provide unsecured loans.
