Mortgage Application

[Deleted User]

If you've had trouble with one broker, personally I wouldn't then go to L&C.
L&C, Habito etc. are first stop shop for simple cases IMO. If you've used a broker and been told 3 to 4% then you either need to get to the bottom of why they can't place you at < 2%, or find another local broker (check reviews, facebook etc see if your friends/family can recommend someone.)

Like ACG, I've got nothing against L&C - they'll probably be my broker when I find a house as they're free - but if you've had problems I'd be looking for a local broker with a smaller caseload that you can visit/call to explain and have the time to get to know you and go through things properly and not have any potential mix-ups between the admin/adviser/lender etc.

chris.heighton

I'm finding L&C more "miss" currently, very poor communication (calls not getting returned, emails ignored, questions left unanswered if I ever do get a reply etc). Depends on the case worker that you get, as I have had one previously that was very good at communicating. 

I won't be using them again in future.

Unicorn_cottage

I dealt with L&C just last week and found them responsive and once the mortgage application was sent to the lender I had a mortgage offer in less than 24 hours so as you can imagine I am over the moon. If the OP says there is no unusual financial history then why not get a mortgage recommendation from another source? Let us know how you get @Justkate_2

hollygriff90

Hi, new to this and sorry for jumping in this forum but does anyone know if nationwide do their credit checks before or after valuation? Our valuation was 20/4 we submitted application last weds. DIP was all ok 

Dancer11

My credit checks were done before the valuation. On the same day the valuation was done I received a text to say I had my mortgage offer. It took 9 days for me from application to offer. This was back in October though. 

daivid

Went through L&C in Feb looking to re-mortgage, for me they were more miss than hit too. I went through the online process and had three matches at good rates. Phoned to try to secure one of these offers, gave the same info and then waited over a week to be told they were recommending a different lender on a much worse deal. I've since gone direct and secured a 5 year fix that will be £4.5k less over the fixed period. I wouldn't say don't use them, in hindsight the local advisor used the time before (on a personal recommendation)  was equally good/bad, but be prepared to consider other options.