Mortgage application with Kensington

LJay18

Hi all
So I am new to this world, please be kind

First time buyer, due to some historical defaults on my account from 2014/2015 at a time in my life where things where very difficult financially (on maternity leave and partner on unexpected sick leave and high rent payment) I have had to apply with Kensington. No adverse credit or missed payments since and earn about £29K salary.

Anyway, I was told that they can be mighty slow.
DIP was done in December and I spent some time trying to find the right home.
Application was sent away yesterday 20/02 at around 4pm. I sent in ID, 3 months worth of wage slips, employment contract, 3 month of bank statements, child tax credit award, proof of gifted deposit, my dads ID (he gifted deposit) and his bank statement showing the transaction. Then today I received an email asking for more information regarding childcare and some other bits easily explained, then I get a phone all from a surveyor who has been asked to carry out the valuation! I wasn’t expecting that so quickly, and wonder if anyone had similar experience to go on?

Thanks :j

Jpreid89

Hi

We are in an almost identical situation to yourself. We had DIP in October last year and the house we are looking to buy is not going to be available until July so just waiting until then to put app in and also adding to savings at the same time.

How did your application progress?

Many thanks

James

E11btt

We had a DIP with Kensington a couple of years ago, in February and we got an offer in April. They request a LOT of documentation, but just keep giving them what they need and soon in enough you will get there. If your accounts are pretty straight forward you should be fine.