Any Recent Leeds Building Society applicants?

sofsar

MSN2220 said:

Just to update you guys. Leeds declined, the reason was the state of bank statements 🤯 which I don’t understand - they are being very picky! . They did offer a Lower amount however we are probably going with a different lender now. 😩

What was wrong with bank statements I.e you didn’t provide all of them to show deposit etc

also after how many weeks have they took altogether 
thanks, may help someone 

toby993_2

stampystamp said:

toby993_2 said:

just out of curiosity for the guys who have had theirs accepted. How many times did they request further info from you?

Twice. Hope this helps  

Did they ask you for documents that they could have just asked you for the first time? Im not going to be happy if they ask for things that could have been asked for 2 weeks ago haha. I have also read on some other forums that kicking up a fuss with them can help speed things up

MSN2220

sofsar said:

MSN2220 said:

Just to update you guys. Leeds declined, the reason was the state of bank statements 🤯 which I don’t understand - they are being very picky! . They did offer a Lower amount however we are probably going with a different lender now. 😩

What was wrong with bank statements I.e you didn’t provide all of them to show deposit etc

also after how many weeks have they took altogether 
thanks, may help someone 

Spending habits on my bank statements went against FCA. I don’t see why. I am in my arranged overdraft every month but it’s 0%. No idea what that means. My MA said my bank statement were in a poor state. Only thing I spend money from my current account is food shopping, bills and fuel!! 

MSN2220

Natztastic2 said:

MSN2220 said:

Monik2510a said:

MSN2220 said:

Just to update you guys. Leeds declined, the reason was the state of bank statements 🤯 which I don’t understand - they are being very picky! . They did offer a Lower amount however we are probably going with a different lender now. 😩

Ohh no! Which lender are you planning to go with now? (It should hopefully be quicker with another lender...) and what did they mean by the state of the bank statements?

I have no idea. Just seems like an odd reason. We have gone with Kent reliance now. Fingers crossed. Hope you all hear back soon from Leeds!!! 🤞🤞

I've heard of those before @MSN2220 is that for a 95% shared ownership mortgage? Whats their turnaround time like?

Yes 95%. Around 6 days. Got our DIP in less than 24 hours and just submitted full application now 

MSN2220

@sofsar. They took 3 weeks to come back to us

toby993_2

MSN2220 said:

sofsar said:

MSN2220 said:

Just to update you guys. Leeds declined, the reason was the state of bank statements 🤯 which I don’t understand - they are being very picky! . They did offer a Lower amount however we are probably going with a different lender now. 😩

What was wrong with bank statements I.e you didn’t provide all of them to show deposit etc

also after how many weeks have they took altogether 
thanks, may help someone 

Spending habits on my bank statements went against FCA. I don’t see why. I am in my arranged overdraft every month but it’s 0%. No idea what that means. My MA said my bank statement were in a poor state. Only thing I spend money from my current account is food shopping, bills and fuel!! 

This worrys me as I am in my overdraft a lot too and have silly spending habits

Natztastic2

MSN2220 said:

Natztastic2 said:

MSN2220 said:

Monik2510a said:

MSN2220 said:

Just to update you guys. Leeds declined, the reason was the state of bank statements 🤯 which I don’t understand - they are being very picky! . They did offer a Lower amount however we are probably going with a different lender now. 😩

Ohh no! Which lender are you planning to go with now? (It should hopefully be quicker with another lender...) and what did they mean by the state of the bank statements?

I have no idea. Just seems like an odd reason. We have gone with Kent reliance now. Fingers crossed. Hope you all hear back soon from Leeds!!! 🤞🤞

I've heard of those before @MSN2220 is that for a 95% shared ownership mortgage? Whats their turnaround time like?

Yes 95%. Around 6 days. Got our DIP in less than 24 hours and just submitted full application now 

I didn't realise that they were doing 95%, that's really good. Very quick too by the sounds!

becky8690

MSN2220 said:

sofsar said:

MSN2220 said:

Just to update you guys. Leeds declined, the reason was the state of bank statements 🤯 which I don’t understand - they are being very picky! . They did offer a Lower amount however we are probably going with a different lender now. 😩

What was wrong with bank statements I.e you didn’t provide all of them to show deposit etc

also after how many weeks have they took altogether 
thanks, may help someone 

Spending habits on my bank statements went against FCA. I don’t see why. I am in my arranged overdraft every month but it’s 0%. No idea what that means. My MA said my bank statement were in a poor state. Only thing I spend money from my current account is food shopping, bills and fuel!! 

Spending habits?? How can this go against someone if its food and fuel etc. That seems very unfair!! 

sofsar

MSN2220 said:

sofsar said:

MSN2220 said:

Just to update you guys. Leeds declined, the reason was the state of bank statements 🤯 which I don’t understand - they are being very picky! . They did offer a Lower amount however we are probably going with a different lender now. 😩

What was wrong with bank statements I.e you didn’t provide all of them to show deposit etc

also after how many weeks have they took altogether 
thanks, may help someone 

Spending habits on my bank statements went against FCA. I don’t see why. I am in my arranged overdraft every month but it’s 0%. No idea what that means. My MA said my bank statement were in a poor state. Only thing I spend money from my current account is food shopping, bills and fuel!! 

Thanks. I wish you good luck. Try not to spend too much when applying for a mortgage as they don’t like it. Try to be clean for October and provide that bank statement too 

Natztastic2

MSN2220 said:

sofsar said:

MSN2220 said:

Just to update you guys. Leeds declined, the reason was the state of bank statements 🤯 which I don’t understand - they are being very picky! . They did offer a Lower amount however we are probably going with a different lender now. 😩

What was wrong with bank statements I.e you didn’t provide all of them to show deposit etc

also after how many weeks have they took altogether 
thanks, may help someone 

Spending habits on my bank statements went against FCA. 

What does that actually mean though 🤯