I have been dealing with a man called Andrew Steinbach from 17/12/24 to 30/01/25 during which he proved to have no expertise, no plan, and no strategy to deal with my mortgage case.Having my Nationwide mortgage refused by a surveyor as the house was built from "pre-cast concrete", I called other high street banks, which confirmed they also categorically refuse loans for this type of construction. I took advice from two mortgage advisors, and then I was directed to the third one, Andrew, by the seller.Ander said he knows the owners "and the house". However, I had a very bad opinion of him from the very beginning, as Steinbach was overconfident, not listening, not taking my preferences under consideration (trying to force me to take a long-term mortgage as if he was deaf I got a high deposit and a high paying job), which led me to the conclusion he has a problem with me as a successful migrant woman. Despite my reluctance towards small lenders, he insisted on making an unfavorable application with Accord Mortgages, the company another advisor from Mojo confirmed as not issuing loans for "pre-cast concrete". Nevertheless, Andrew made it, but it took him from 18/12/24 to 6/01/25!!!: constantly made excuses why he was not available ("off", "Christmas", "family arrived"). We were supposed to have a call, but he kept postponing it from 21st till 30th Dec '24. Wtf was this man doing if making a mortgage application takes 30min!? They applied with Accord only on the 9th Jan 2025.And guess what? 16/01 Accord REJECTED it. The entire month was wasted, because the normal person would do this application before Christmas, not in the 2nd week of January 0_0.Steinbach's next ingenious idea was to apply with Santander to which I reminded him I'd already told him that I had called Santander before I met Andrew and they're not lending for "pre-cast concrete". I also showed him news that Santander will depart from the UK market; after that, he kept silent, then proposed I call Lloyds to remove some pennies unpaid charges from my credit record because "it'll boost your credit score immediately" (the score he screwed himself). And guess what? They didn't! Lloyds also confirmed that an overdraft made after the account closure cannot be removed.As you can see, 100% of what this man told me was wrong. He proved to have not enough knowledge, plan, or strategy to deal with my mortgage. His moves are chaotic, uniformed, and uncoordinated, he can't even stick to the hour he proposed to call. Steinbach wasted two months of our lives: the house is back on the market, sellers lost their dream countryside purchase, and I ended up with a destroyed credit score - all due to his incompetence.
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