First time buyers having a nightmare

Daniel123456

Hi all thanks for reading my post, me and my girlfriend have had an offer on a house accepted we had a decision in principle of £187000 and our house is £128000 to cut a long story short we are putting a 5% deposit down Halifax agreed then changed their minds and wanted a 10% deposit so we applied to Natwest and they referred it due to credit rating, we found my partner had a poor credit rating due to Very account which was their fault. After 24 hours they corrected this and she went straight to a fair, my credit rating is excellent 997 to be precice. So we re applied to Natwest THEN they referred it AGAIN. I'm a contract worker who has been in the same job for 7 months and my family are m management team, my girlfriend is a nurse and brings home £27000 a year.... I bring home £18500 on these sort of wages we should have no issues, the banks seem like they don't want to fund the help to buy scheme even though they get a 20% guarantee?! Does anyone have any advice to who might be a decent mortgage provider? Our mortgage advisor said Halifax did what they did due to having to many 5% deposits with 1% cash back. That offer is gone now and I feel they'll consider us more?

Any questions please ask
Many thanks
Dan

Rambosmum

Give a mortgage advisor such as London and Country a call -they are free and whole of market, unlike most. They were very good with us under very odd financial circumstances.

G_M

Stop applying for mortgages and speak to an independant mortgage broker.

He'll know which providers are most likely to accept you, AND which will give you the best deal.