Are mortgages that hard to get?

callmechar

You may have seen my other thread on here, mortgage multipliers or actual affordability.

I am in a bit of a situation where the amount we want would mean about 4 times joint income. However after reviewing things and getting help from parents, now have 10% deposit and looking for about 3.5 - 3.75 times income (£160-£175k).

We have no debts, paid off fianc!s loans recently. No debts other than student loan. We had unsued credit cards, cancelled.

2 decision in principles from Skiptons dated Sept and Oct 2011.

I earn 23750, partner earns 23000.

Now my BIG worry is that we find a house, (did find one, changed mind and withdrew from it) and do not get the mortgage. Got credit reports all 3 agencies, all looks ok.

I am a worrier by nature so part of me is really worried about getting a mortgage. Skipton were happy with DIP and that was for 95% mortgage, now in fact its 90% LTV does this mean lenders are less picky? I am interested in Natwest and Post Office who both have good deals. How picky are these lenders? Is it better to use a building society who use many things other than just credit score, are the post office like this?

Old_Git

you have been offered a mortgage ( twice ) and you are still looking .
Look for a house and be happy .The more mortgages you apply for, even in principal the more it will leave footprints on your credit file .

callmechar

Old_Git wrote: »

you have been offered a mortgage ( twice ) and you are still looking .
Look for a house and be happy .The more mortgages you apply for, even in principal the more it will leave footprints on your credit file .

Well not been offered mortgage, mortgage in principle.

Only got 2 (one we asked for) the second was because of a VERY pushy Connells estate agent mortgage broker