Valuation complete but no offer

Thanks, but am I'm correct in thinking that if there was a real problem and they wanted to decline, then it would have declined already? In other words no news is good news? We're still in there?

So just to update then. They approached my wife's employers no less than 5 times. The HR department have completely satisfied their requests (ability to work remotely, flexible working policies and permanency of the job as well as its continuation). The actual "working pattern" cannot be defined and HR are not obliged to confirm and commit to any of these aspects due to unpredictability of week by week work patterns. On that basis alone Kensington underwriter has declined the mortgage.

This is unacceptable but our hands are completely tied. My broker has managed to resurrect some re-evaluation of the case by offering to provide (by my wife) a written statement providing an example typical working week involving the flexible working and office based working. Along with potential costs involved.

We are providing this now, however, seriously considering some kind of legal action as they simply cannot expect employers to dictate or confirm a working pattern that is no fixed.

No company is immune to complaints legal or otherwise - especially if the outcome results in placing a customer in an unfavourable position both with their employers, financially and undue stress. Sure they can decline but to do so in such a manner is not something they are allowed to just get away with.