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Natwest AIP

Dolly123
Dolly123 Posts: 189 Forumite
in Mortgages & endowments
I recently got an AIP with Nat West through a broker, they actually offered £100k over what we need which is reassuring I wondered are they a hard or a soft foot print? and are they different to the AIP I could get online? Are they likely to follow up the AIP with an offer or do they give AIP's out like sweets?

Comments

  • YHM
    YHM Posts: 650 Forumite
    Hard print with Natwest.

    As long as the AIP matches up to the full submission and the requested documents, I'd expect an offer.
    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
  • ACG
    ACG Posts: 24,911 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    The AIP with Natwest is a hard footprint if done through a broker or soft footprint (if any?) when done on their customer facing website.

    I do a lot of business with Natwest at the minute and I have never known them to decline a case which has passed the AIP.
    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.
  • Dolly123
    Dolly123 Posts: 189 Forumite
    Amazing thanks that’s really reassuring! What are they like for extending mortgage offers I’m buying a new build that is due for completion the end of July and I was going to reserve in jan so hopefully get a mortgage offer in feb but it would be handy to have a bit of breathing space?
  • Dolly123
    Dolly123 Posts: 189 Forumite
    Hellooooo?
  • YHM
    YHM Posts: 650 Forumite
    Natwest offers are 6 months long anyway, so you will be fine
    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
  • kingstreet
    kingstreet Posts: 39,440 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Dolly123 wrote: »
    Amazing thanks that’s really reassuring! What are they like for extending mortgage offers I’m buying a new build that is due for completion the end of July and I was going to reserve in jan so hopefully get a mortgage offer in feb but it would be handy to have a bit of breathing space?
    Six month offer, with upto one extension of one month.
    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.
  • Dolly123
    Dolly123 Posts: 189 Forumite
    Oh ace cheers, I'm soooo excited!!

    Do they require more payslips or anything if they extend it a month?
  • amnblog
    amnblog Posts: 12,784 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    They will reserve the right to check anything. Job switches are not a good idea in the interim period if that is the intention.
    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.
  • Dolly123
    Dolly123 Posts: 189 Forumite
    Oh no I won't be swapping jobs thats for sure! :)
  • kezzygirl
    kezzygirl Posts: 999 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    How about nationwide? Do tgey leave a hard or soft print on credit file please?
This discussion has been closed.
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