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Barclay's online AIP
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nervouswreck16
Posts: 4 Newbie
My fiancee and I have recently applied for our 1st Mortgage, she completed an online application for Barclay's at 88% ltv (soft search) and they agreed in principal, I however am worried because Nationwide decline a 90%(full credits search) Ltv for us but accepted an 85 % LTV.. Another issue is mY Partner estimated my salary at around 1k more than it is. We have an appointment for a full application with Barclays, are we screwed as we have an offer accepted on a house now?
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Comments
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Why are you going direct to the Lender if you are not sure what you are doing?I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
In what sense?
We hoped to go with Barclays as the deposit wouldnt require family "gifts"
Should we not be doing this?0 -
If you are unsure the smart move is to engage a mortgage broker to handle this for you properly and professionally.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
Why is income being estimated?
It should be noted exactly from payslips as these will be required to evidence the data entered.I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
There was a clerical error by my employers so I was Over-payed for the last 3 months?0
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Barclays have their systems linked to third party data so any data inputted on a case needs to be spot on for swift processing.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
Ok thanks for the info will have to contact them directly i think to rectify this.0
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