Nationwide or Halifax? Any tricks up their sleeves?

hobbesandco

I got a voicemail from MortgageGenie. Turns out the tracker I was interested in is expiring tomorrow which meant my application couldn't go through on time. They told me to go directly to their web-site and apply. I've switched to fixed rate and applied via Nationwide directly and got a very prompt response!

One other question: is their lending criteria quite strict/tight or have they just tightened it recently? Because the maximum amount they said they would lend us is quite low. My partner and I have a decent combined income and expected the max amount to be a little bit higher (or maybe I'm flattering myself). Sign of the times maybe?