have i passed the credit check hurdle?

hiohaa

so....using Natwest, going direct. Got an agreement in principle online. Applied online. 
Today i got back an application pack and a letter with the loan amount, mortgage reference and property address,


 Thank you for choosing NatWest for your House Purchase. I am delighted to advise you that we are prepared to further consider your House Purchase request.

This agreement is valid for 28 days. I have enclosed your House Purchase pack, which has been tailored to meet your borrowing and protection needs.

Included within this letter is a Mortgage Illustration, Key Facts about our Mortgage Services and other relevant information.

What we will do: 
"A satisfactory full credit assessment has been undertaken. We require a validation of the information provided by you today. This will include satisfactory conduct of your banking arrangements and receipt of any references required for approval, for example confirmation of your salary and terms of employment from your employer. Our

Mortgage Centre will carry this out. It may also be necessary for us to obtain a valuers’ report acceptable to us (including the completion of any actions recommended by the valuer). We will contact you with a formal "Offer of Loan" once these conditions have been met. Finally, I would like to thank you once again for choosing NatWest for your House Purchase. Should you have any questions, please do not hesitate to contact the Mortgage Centre on 0345 302 0190."

Bit confused by the mixed tenses.....so does the above mean that they've done the hard credit check, and i can now relax? (pending valuation etc)

mortgagetakingages

It is an acceptance in principal. You still need to provide documentation and satisfy any questions they have

hiohaa

mortgagetakingages said:

It is an acceptance in principal. You still need to provide documentation and satisfy any questions they have

Did not answer the question. 
Anyone else ?

[Deleted User]

You have passed the basic credit check.  They will now request verification of the information input on the application.  This might be by reviewing bank statements to see account conduct and payslips to see if numbers match declared info. 

If you are employed, using basic salary only, and have good bank account conduct then you will most likely be fine. 

If you are self employed then you are only at the start of the underwriting. 

Plenty of mortgages get declined after passing initial credit checks, and plenty don't.  Without knowing the finer details of the case then no one can give you certainty that it's going to go through 

mortgagetakingages

hiohaa said:

mortgagetakingages said:

It is an acceptance in principal. You still need to provide documentation and satisfy any questions they have

Did not answer the question. 
Anyone else ?

No is the answer. 

Anyone else want to tell them this?

hiohaa

well. clearly no one has any comprehension reading skills, so forget it. admin, feel free to close this post. 

HummingBird76

hiohaa said:

well. clearly no one has any comprehension reading skills, so forget it. admin, feel free to close this post. 

The irony of this comment... 
People tried to help, and you were rude to both. Good luck. 

mortgagetakingages

hiohaa said:

well. clearly no one has any comprehension reading skills, so forget it. admin, feel free to close this post. 

I think you have zero manners and can't understand well explained answers. Very rude.  Btw you can close your own posts.

Gem_M90

The subject of your post is "have I passed the credit check hurdle?" You've been told "no" on several occasions.. 
They only do a basic check on initial application. My application was accepted by halifax, went to underwriters and was bounced back to me because there were items on my credit file which were yet to update and werent a true reflection of what had been declared. I then had to send evidence to support. So no, youre far from over the credit hurdle.