Need some HELP......so worried

Losingthewill

Worst case scenario materialised, turned down by N/Wide.

Gutted doesnt begin to cover it>

kingstreet

It would be helpful if you could give us an indication of the reason.

There's nothing in this thread so far which would make a decline likely.

You are absolutely sure there are no associations? Not even as much as a joint search which may have created one?

When was the last time you got all three of your credit files and scrutinised them? If not for a while, do it now;-

Equifax

https://www.econsumer.equifax.co.uk/...erletter.ehtml

Experian

https://secure.wiseconsumer.uk.exper...x.html?data=00

CallCredit

https://www.callcredit.co.uk/stat-re...pl=regPurchase

which you should take along to a meeting with a good independent or whole market mortgage broker. Ask friends and relatives for a recommendation. Failing that, use https://www.unbiased.co.uk remembering to switch off "sponsored ads only" option so you get a full list, not just the paid-for adverts.

The £2 statutory paper files will be fine. Avoid online schemes you have to pay for which give you your inside-leg measurement and call it a "credit score" as this is different to the lender's, the one which actually matters to you...