AIP from Natwest

chambta

J_Devon wrote: »

I also went into Natwest today to have a chat about mortgages and had a similar result.

He took my income/deposit details and came back and gave me a maximum they would lend. I asked what would be involved to get an AIP, but he said that they generally don't give them out as it can mean up to 3 credit checks being done through the process (AIP, full appplication and possibly by the underwriter).

Is this normal? Will estate agents take any offers I make seriously if I don't have an AIP in place?

The letter the toolkit produces in branch is what you can provide to them. Estate agents know they are no guarantee you'll get the mortgage but it sorts out the genuine timewasters.

J_Devon

They didn't give me a letter either...maybe I'll drop the guy an email on Monday and discuss a little more.

chambta

J_Devon wrote: »

They didn't give me a letter either...maybe I'll drop the guy an email on Monday and discuss a little more.

There are several different versions of it dependent on the result. I'm not sure why you weren't offered it as it's a button click once all the data has been taken and computed.

ispookie666

Continuing on
I had called up their number and they send me over the AIP. But when I contacted them regarding higher AIP they booked me to meet mortgage advisor -who would not put anything on paper, it becomes their liability and financial advice!!!!
Not sure if I should trust Natwest. Got ourselves credit checked - both scoring 940+ and no blemishes..