AIP / DIP / Mortgage Certificate

wex009

Like Title says, I am required to have Mortgage Certificate to reserve a house, I've spoken to Mortgage Advisor connected with that property developer and he did some calculations, meaning that I will be able to get right Mortgage Certificate for a dream (quality/value ) house, but becuase it was so slow, I went to bank myself and sadly I've been told that it's like 15% less than I expected. I've got very high deposit, good credit history, but I am to only person with income, so even 5-10% more is a lot.

Does anyone know the bank who can borrow a little more than average ?
I've tried HSBC(which was my bank), I've checked Barclays online (it's even worse), also I've heard that Llyods,Halifax is good 4.75x ratio (online it looks good, but I don't want to do too much soft credit checks ) any ideas ?

sully1311

Lenders can't see soft credit checks so use it to your advantage.

wex009

Thanks for answer, but to being honest I've been told in bank that 'this is SOFT CREDIT CHECK, which means it doesn't affect the credit rating, but don't to them to often, because it can be affected then.'
It doesn't make any sense, cause if it's soft check and nothing is left, then how it's gonna affect my score, and how others bank will see it?
Can somebody also clarify?

Thanks