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  • FIRST POST
    • starrybear
    • By starrybear 5th Jul 16, 2:57 PM
    • 52Posts
    • 3Thanks
    starrybear
    Precise Mortgages - how long from application to offer?
    • #1
    • 5th Jul 16, 2:57 PM
    Precise Mortgages - how long from application to offer? 5th Jul 16 at 2:57 PM
    Hi all,

    I've searched for answers to this, but can't find anything recent.

    If anyone has dealt with Precise recently, I'd appreciate any insight into your timelines?

    Thanks in advance
Page 26
    • Ddl1234
    • By Ddl1234 12th Sep 17, 3:54 PM
    • 9 Posts
    • 2 Thanks
    Ddl1234
    P.s anyone else waiting with ccj's?
    • Time2go
    • By Time2go 12th Sep 17, 3:59 PM
    • 183 Posts
    • 40 Thanks
    Time2go
    Me I have two although Experian only shows 1. Both looking to fall off next year.
    • Time2go
    • By Time2go 12th Sep 17, 4:00 PM
    • 183 Posts
    • 40 Thanks
    Time2go
    Ddl1234 what tier were you given on aip.
    • Ddl1234
    • By Ddl1234 12th Sep 17, 4:02 PM
    • 9 Posts
    • 2 Thanks
    Ddl1234
    Tier 4 originally, but some how and I don't know how my broker got me another DIP on tier 3
    • Time2go
    • By Time2go 12th Sep 17, 4:39 PM
    • 183 Posts
    • 40 Thanks
    Time2go
    We are help to buy and tier 1 but I'm concerned affordability may be an issue.
    • MissSJL
    • By MissSJL 12th Sep 17, 5:53 PM
    • 118 Posts
    • 5 Thanks
    MissSJL
    I assume tier 1 is less risk and tier 3/4 is higher risk?
    • Ellie543
    • By Ellie543 12th Sep 17, 7:11 PM
    • 6 Posts
    • 1 Thanks
    Ellie543
    We've got a valuation booked in on Thursday don't want to get my hopes up!!!
    • Time2go
    • By Time2go 12th Sep 17, 7:14 PM
    • 183 Posts
    • 40 Thanks
    Time2go
    How long ago did you application go in Ellie and what tier are you?
    • Annie2311
    • By Annie2311 12th Sep 17, 7:17 PM
    • 27 Posts
    • 3 Thanks
    Annie2311
    Hi all I'm also dealing with precise. Our full application went on on Monday the 4th of September. We have sold our property and bought another. We got a dip for 100k paying 25k deposit months ago as been dealing with the broker since march. Precise came back yesterday asking for proof of address for my husband and queried a few payments from my account. Hoping to hear soon as we move out our house in two weeks eeek! Credit check was done the day full application went through then valuation fee the next day. However this has not been done yet. My husband has 1 default I have 2. Not sure when there due to come off. Good luck everyone that's waiting x
    • Annie2311
    • By Annie2311 12th Sep 17, 7:19 PM
    • 27 Posts
    • 3 Thanks
    Annie2311
    Meant to say we are tier 4 x
    • Doddy03
    • By Doddy03 12th Sep 17, 8:45 PM
    • 25 Posts
    • 42 Thanks
    Doddy03
    How do you know what tier you are? We've been trying to sort our remortgage since June and last week got told no by another company due to a second charge (which they knew about all along)! We've got an aip with precise so going to full application tomorrow. Any advice re precise (what I can do to speed things through) would be much appreciated. Many thanks
    • Ddl1234
    • By Ddl1234 12th Sep 17, 8:55 PM
    • 9 Posts
    • 2 Thanks
    Ddl1234
    Doddy03, my broker told me what tier we're on....time2go why are you concerned about affordability? Did Your broker do a affordability form before the DIP? Fingers crossed for you.
    • EverythingIWant
    • By EverythingIWant 12th Sep 17, 8:58 PM
    • 35 Posts
    • 2 Thanks
    EverythingIWant
    How come you are worried about affordability? We have a AIP for tier 2 HTB, what is your income multiple for your AIP? I hope ours goes well, we have some satisfied adverse!

    Anyone else doing the HTB with precise of so how much are you borrowing with your income?

    Cheers! And good luck all!
    • Time2go
    • By Time2go 12th Sep 17, 9:55 PM
    • 183 Posts
    • 40 Thanks
    Time2go
    Borrowing 3.3 our salary and have a few credit commitment plus two young kids. Been waiting for this move for 5 years so still doesn't feel real. Going from a one bed flat to a four bed new build house and still can't believe someone will lend us the money lol feel something has to go wrong

    Your broker should tell you what tier you are on or if you have an interest rate you can tell from precise website.
    • EverythingIWant
    • By EverythingIWant 12th Sep 17, 10:05 PM
    • 35 Posts
    • 2 Thanks
    EverythingIWant
    We are in a similar situation, no real credit commitments but high childcare and 4x income, have they asked you for anymore information since application? When the broker called and said they AIP was approved for the amount we needed we were so happy! Have big are your credit commitments of you don't mind me asking?
    • EverythingIWant
    • By EverythingIWant 12th Sep 17, 10:07 PM
    • 35 Posts
    • 2 Thanks
    EverythingIWant
    Ps. Seems like you are well overdue a house move! 1 bed flat and 2 kids :0
    • Time2go
    • By Time2go 13th Sep 17, 7:06 AM
    • 183 Posts
    • 40 Thanks
    Time2go
    Nothing unmanageable just car loan , 4K loan, £6k on credit card. Stupid thing is new mortgage only £100 more a month than we currently pay.
    • Ddl1234
    • By Ddl1234 13th Sep 17, 4:08 PM
    • 9 Posts
    • 2 Thanks
    Ddl1234
    Broker emailed me saying the valuation has been instructed, hopefully that's a good sign
    Anyone else had any news?
    • Time2go
    • By Time2go 13th Sep 17, 4:51 PM
    • 183 Posts
    • 40 Thanks
    Time2go
    When did younapp go in do and what other info they requested ?
    • Time2go
    • By Time2go 13th Sep 17, 4:52 PM
    • 183 Posts
    • 40 Thanks
    Time2go
    THAt should say what date did your app go in ddl and what info did they request
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