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First Time Buyer - what checks after decision in principle?

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  • sparks11
    sparks11 Posts: 47 Forumite
    Just one more quick question. It is the estate agent's broker we're using. She has been recommended to us and is a whole of market broker, but do you think we should maybe try elsewhere?
  • betmunch
    betmunch Posts: 3,126 Forumite
    Whats the name of the Estate Agent?
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, 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.
  • pinky28
    pinky28 Posts: 103 Forumite
    Sorry to hi-jack but as the title of the thread says. What happens after the DIP ? Full mortgage application going in this week. Absolutely terrified it will be rejected. Never had bad credit but worried something will crop up as partner never uses credit and apparently that can be just as bad?
  • sparks11
    sparks11 Posts: 47 Forumite
    betmunch wrote: »
    Whats the name of the Estate Agent?

    Am I allowed to name them? I could PM you the name....
  • betmunch
    betmunch Posts: 3,126 Forumite
    pinky28 wrote: »
    Sorry to hi-jack but as the title of the thread says. What happens after the DIP ? Full mortgage application going in this week. Absolutely terrified it will be rejected. Never had bad credit but worried something will crop up as partner never uses credit and apparently that can be just as bad?

    Depends on the lender. This thread got out of control due to the lenders process.

    Best to start a new thread unless youre with Halifax, in which case the process is pretty well covered earlier in the thread
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, 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.
  • betmunch
    betmunch Posts: 3,126 Forumite
    sparks11 wrote: »
    Am I allowed to name them? I could PM you the name....

    Either/or.

    Its not a regulated area so Im happy to give my opinion on it after I've googled them
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, 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.
  • pinky28
    pinky28 Posts: 103 Forumite
    betmunch wrote: »
    Depends on the lender. This thread got out of control due to the lenders process.

    Best to start a new thread unless youre with Halifax, in which case the process is pretty well covered earlier in the thread

    It's not Halifax. I think I might be better off living with the fear of the unknown than worrying about what's happened to other people :-)
  • sparks11
    sparks11 Posts: 47 Forumite
    Good luck pinky28... I feel your pain :)
  • MJP43
    MJP43 Posts: 61 Forumite
    What about if in the brokers opinion your file is best matched to Halifax, you have been at the same address for more than 3 years and no adverse in years 3 to 6.

    Would a DIP from Halifax in these circumstances carry slightly more comfort ?
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    pinky28 wrote: »
    as partner never uses credit and apparently that can be just as bad?

    In general terms it's certainly not the case. There's nothing special in using a credit card (for example) as proves absolutely nothing.
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