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FTB with HTB in Scotland - DIP

applebite
Posts: 30 Forumite
Hi
I posted not that long ago about not being able to get a mortgage with Halifax as when they stress tested it, it wouldn’t pass affordability.
I contacted a different mortgage broker who said they were able to get one with Leeds and forwarded me the illustration (at the time I didn’t realise that it wasn’t the DIP)
Reserved the property, completed the HTB application and they came back asking for the DIP not the illustration and gave me 5 days to send it. Got back in touch with the broker and it took her the 5 days but she sent it straight to them saying that she’s filled out a new application when she already knew I had completed it and was just to email them a copy. I’ve asked for the DIP myself numerous times as when she sent me a copy of her completing the HTB government calculator she’d put the wrong amount in for a car loan and I’ve asked her to clarify that she put the correct amount in for the DIP.
Is there a reason why she won’t send the DIP to me. Im really reluctant to keep going forward since Leeds appears to be my last option without actually seeing proof for myself.
At this stage I think it’s far too late to approach someone else.
Thanks
I posted not that long ago about not being able to get a mortgage with Halifax as when they stress tested it, it wouldn’t pass affordability.
I contacted a different mortgage broker who said they were able to get one with Leeds and forwarded me the illustration (at the time I didn’t realise that it wasn’t the DIP)
Reserved the property, completed the HTB application and they came back asking for the DIP not the illustration and gave me 5 days to send it. Got back in touch with the broker and it took her the 5 days but she sent it straight to them saying that she’s filled out a new application when she already knew I had completed it and was just to email them a copy. I’ve asked for the DIP myself numerous times as when she sent me a copy of her completing the HTB government calculator she’d put the wrong amount in for a car loan and I’ve asked her to clarify that she put the correct amount in for the DIP.
Is there a reason why she won’t send the DIP to me. Im really reluctant to keep going forward since Leeds appears to be my last option without actually seeing proof for myself.
At this stage I think it’s far too late to approach someone else.
Thanks
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