NatWest mortgage declined by underwriters

sofsar

Lipstick99 said:

Nat West wont now lend me enough so I've gone elsewhere

NatWest have Declined my application Due to affordability  too!! Been since 8th I applied and had valuation done etc. Broker is trying to ask why but he said it’s via email only. Really frustrated as I paid my Solisitors fee advance last week 

jamjar92

Mine got declined on affordability, they said they would not take into to account any OT, that’s been consistent for 10 years and I now no longer earn enough.

sofsar

jamjar92 said:

Mine got declined on affordability, they said they would not take into to account any OT, that’s been consistent for 10 years and I now no longer earn enough.

How much were you borrowing? What did broker advise?  I was asking for 128k on a purchase and broker told me to wait for another reply as he asked if I could lend near the amount before I resubmit application again. Been a week wait so far 

lisa1310

Hi,  
Just wondering how long the timeframe was before you knew you were declined? Ours has been going on for a while now and still no news... NatWest have come back to ask for more things as I’m on maternity and want to ensure I’m going back on full time hours but do you think they would have already declined if they were going to?

just wondering what everybody else’s experience has been like...

Amanda11B

Our Natwest declined at DIP for these codes, anyone know what they mean, only because they are different?

D314 Adverse Bureau Data on applicant 1.

D440 Adverse Data Returned for Applicant 2.