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Santander FTB timeline?

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Comments

  • SuboJvR
    SuboJvR Posts: 481 Forumite
    Fifth Anniversary 100 Posts Combo Breaker
    Oh sorry to hear the news Aly28 and jarshay :( Hopefully you will both be on track again soon!
  • jarshay
    jarshay Posts: 73 Forumite
    Part of the Furniture Combo Breaker
    Aly28 - hope you find something quickly and congratulations again SuboJvR.

    I was really annoyed this week as we got declined because we don't have 3 years of accounts - something our broker knew!! Anyway, we are waiting for an offer from another lender - fingers super crossed.
    Mortgage for £212000 - 10/17 for 35 years!
    Aiming to overpay each year as close to 10% as possible!
  • SuboJvR
    SuboJvR Posts: 481 Forumite
    Fifth Anniversary 100 Posts Combo Breaker
    Yes it seems you both came unstuck due to poor advisors through one way or another!
  • jarshay
    jarshay Posts: 73 Forumite
    Part of the Furniture Combo Breaker
    SuboJvR wrote: »
    Yes it seems you both came unstuck due to poor advisors through one way or another!

    Yes we did - but good news, finally found a new house and got the offer accept and got the mortgage offer today! Literally over the moon!
    Mortgage for £212000 - 10/17 for 35 years!
    Aiming to overpay each year as close to 10% as possible!
  • jarshay
    jarshay Posts: 73 Forumite
    Part of the Furniture Combo Breaker
    Aly28 wrote: »
    Jarshay....same here :(
    It came back from the underwriters as they worked out my affordability different from what the Santander mortgage advisor had, which was very frustrating!

    Im getting right back on the saddle and seeing another house tomorrow which is within my new affordability! She told me my application can be amended and submitted straight to the underwriters again with the new property details so I don't have to go through all the credit checks and uploading of documents again.

    Hope things work out for you soon!

    Heya Aly28 - did things all work out in the end?
    Mortgage for £212000 - 10/17 for 35 years!
    Aiming to overpay each year as close to 10% as possible!
  • Sorry but this is about a remortgage with Santander. We have been with them for some 15 years now and have been informed that because we are on such a low interest rate from when we took out the loan we cannot apply to remortgage at the same rate but would have to change our deal in order for us to remortgage. Surely this cannot be right as we have been with them 15 years on this low rate (its a repayment mortgage too). Does anyone have any idea of this happening to them recently and what do you think we should do now? Many thanks.
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