The Mortgage Works (TMW) Mortgage application process - Help Please

TempUsername03052020

Hi,

I have been going through TMW application process and had my mortgage for a flat initially declined as the Valuator based it on an incorrect high service charge. 

- Will this affect my credit rating?

I sent the correct service charge details that my solicitor obtained to TMW for them to re-evaluate. 2 weeks pass and they come back they they need the email directly sent from my solictor. Not sure why they did not state this immediately. Even my broker was shocked by this response as all evidence has been provided.

I then instructed my solictor to send to TMW last week and the TMW informed me on Wed that they had sent again to TMW. 

Does anyone have experience with TMW and how long I should expect to wait now?

Thanks

TempUsername03052020

Has anyone dealt with TMW?

NatalieAGC

My current residential mortgage is with TMW,   Can’t comment on them for mortgage application as my initial lender merged into TMW. 

I think any full application that is declined at any stage results in hard search on file. 

TempUsername03052020

NatalieAGC said:

My current residential mortgage is with TMW,   Can’t comment on them for mortgage application as my initial lender merged into TMW. 

I think any full application that is declined at any stage results in hard search on file. 

Even if it is related to the valuation and not my personal circumstances?

What is the valuation is overturned, would my credit file be cleared of the decline?