AIP making me nervous

Nutella18

I have an aggreement in principle and have seen the first house i am willling to make an offer on

The MIP is for 100k and this will my 10% is literally meaning i need to take the max amount they are offering as a single applicant. I was fine with this as the payments seemed affordable and a good rate..however!!! after regrettably doing a bit of research on this and as well as my paranoid self i am now worried they may not offer me themaximum amount at AIP... just looking at my bank statements with xmas looming and some randim spending i am worried they will decrease my amount...

what if i put an offer in the house go to full app and they offer me less?? what do i do?? does this happen regularly? should i perhaps consider less strict lender? i do have my broker on the case but i am impatient as well as paranoid :rotfl::rotfl:

stephen.rooke

Go see a mortgage advisor, they'll look at your circumstances and find you the best deal your likley to be accepted for

cjv

I don't think they are interested in your Christmas shopping so try not to worry too much. My broker told me they just look for regular commitments, direct debits, hidden credit you have not told them about, gambling transactions etc... if they even look at all!