Precise

dfw1980

Thanks ACG

dfw1980

Email from my broker just now..
Its gone to offer whoop whoop
Will be posted to within 24 hours

Ddl158

Wow congratulations. I am submitting my full application with precise this week after being approved for my decision in principle last Friday. I am nervous about the process in case I get declined, did they ask any questions about your bank statements? And so long as nothing changes with credit, if you passed the DIP is there any reason you wouldn't pass the full credit check and do you know which credit reference agency they use? I am so nervous!
Well done again though :beer:

dfw1980

Thank you
I feel your pain! I was dredding applying for fear of being declined.

We supplied 3 monthe bank statements each along with last 3 months payslips and our p60's, photo id's and proof of address's. We also supplied savings accounts statements to prove our deposit.

All was supplied on application.

The only thing extra that was asked for was proof of the acumulation of savings.. So we gave 12 months worth of savings account statements showing a build up of funds. That was the only thing extra that was requested.

Good luck

dfw1980

Just to add -
Purcase price £245k with a deposit of £50k so a smidgen over 20% deposit

Luckyinlife

Just out of interest what was the interest they charged you did you have defaults or anything of that nature ?

Well done :] now you can plan for the house

Ddl158

Thanks for your reply. If you don't mind me asking how is your credit rating? Mine isn't very good, although has been perfect for over 12 months, so I feel lucky to have got this far!

Ddl158

I have been offered 5.9% interest rate with late payments over 12 months ago and a default of only £262 from 2012 that is settled. I have just over 15% deposit

dfw1980

Formal offer recieved via email.
Full asking price at 5.2%

Really relieved

dfw1980

Phonecall from EA today.
They want to exchange this friday