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Any Recent Leeds Building Society applicants?

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Comments

  • sofsar
    sofsar Posts: 102 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    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
    toby993_2 Posts: 50 Forumite
    Third Anniversary 10 Posts
    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
    MSN2220 Posts: 83 Forumite
    10 Posts Name Dropper
    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
    MSN2220 Posts: 83 Forumite
    10 Posts Name Dropper
    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
    MSN2220 Posts: 83 Forumite
    10 Posts Name Dropper
    @sofsar. They took 3 weeks to come back to us
  • toby993_2
    toby993_2 Posts: 50 Forumite
    Third Anniversary 10 Posts
    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
    Natztastic2 Posts: 175 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    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!
    LBS 95% LTV Shared ownership application
    3/8 DIP agreed
    5/8 Applied for plot with HA
    13/8 Accepted for plot with HA
    19/8 Full application with Leeds
    23/9 Valuation completed and OK
    25/9 First questions and soft credit search
    29/9 Confirmed answers to LBS direct as my MA couldn't get through we're told it would join 12 day underwriting queue again
    01/10 Received letter about initial search through the post dated 25/9
    We were told we should hear something by the 20th.
    14/10 Mortgage offer received (working day 40)
    23/10 Completion and moved in!

  • becky8690
    becky8690 Posts: 81 Forumite
    10 Posts Second Anniversary Name Dropper
    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
    sofsar Posts: 102 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    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
    Natztastic2 Posts: 175 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    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 🤯
    LBS 95% LTV Shared ownership application
    3/8 DIP agreed
    5/8 Applied for plot with HA
    13/8 Accepted for plot with HA
    19/8 Full application with Leeds
    23/9 Valuation completed and OK
    25/9 First questions and soft credit search
    29/9 Confirmed answers to LBS direct as my MA couldn't get through we're told it would join 12 day underwriting queue again
    01/10 Received letter about initial search through the post dated 25/9
    We were told we should hear something by the 20th.
    14/10 Mortgage offer received (working day 40)
    23/10 Completion and moved in!

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