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mortgage offer approved surveyer instructed but no credit check?
Grimbo82
Posts: 20 Forumite
Hi,
A quick question, we are buying a house £151k, 10% deposit using a broker as we have properties in the background. Mortgage offer with Santander is approved and they have instructed their surveyor for lender's survey. i checked my credit file and there doesn't appear to have been any search by santander on there. Is this normal? I would have expected them to have credit searched me and the OH before their offer. I have a current account with Santander and we both have a joint current account with them as well. We have no adverse credit at all and excellent credit history and i'm not unduly worried but have heard stories of santander withdrawing the offer just before completion. Am i worrying over nothing?
Kind regards,
Grimbo82
A quick question, we are buying a house £151k, 10% deposit using a broker as we have properties in the background. Mortgage offer with Santander is approved and they have instructed their surveyor for lender's survey. i checked my credit file and there doesn't appear to have been any search by santander on there. Is this normal? I would have expected them to have credit searched me and the OH before their offer. I have a current account with Santander and we both have a joint current account with them as well. We have no adverse credit at all and excellent credit history and i'm not unduly worried but have heard stories of santander withdrawing the offer just before completion. Am i worrying over nothing?
Kind regards,
Grimbo82
0
Comments
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You are worrying over nothing, Santander underwrite upfront and therefore would not instruct valuation without being happy.
You may only have checked one credit reference agency and therefore they may have searched the other..
Good luckI am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
many thanks for the advice. Have just heard a lot of horror stories recently, glad my mind is put at rest!
Cheers,
grimbo820
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