Mortgage Offer

Happy_Camper_3

I got a mortgage offer from Bristol & West nearly six months ago, and recently had my offer accepted on a property. I paid for the valuation and it has been done. Now B&W are telling me that I have to take one of their other mortgage products as they don't do the one I have anymore (mine is a 5% deposit). The thing is, the offer hasn't expired, it's been bought and paid for, and the house is nearly done and dusted.

Are they allowed to do this? Are they obliged to honour the mortgage offer they gave me? Who do I talk to about this if I need to take it further?

Thanks in advance, all.

_Andy_

What they mean is your mortgage offer has expired, not the offer on your purchase.
They have no legal obligation to give you a mortgage and in this case your mortgage offer has expired, they don't offer that particular high risk mortgage so you will need to look at alternative lenders.