Natwest Mortgage Process

Kiwistrawb1990

loufay26 said:

bbat said:

Hi, I can't comment on the missed payments you mentioned, but I can say for me it was 2 weeks between application and mortgage offer. All paperwork was in place, 20% deposit and the valuation took place very quickly which was lucky. 

Hello, sorry to ask but was your credit utilization rate etc all ok? I had a late payment 8 months ago and have recently repaid all my debt. I am applying for a mortgage and with 25% deposit and 74% LTV but worried with the horror stories that I am reading on here!

You will be fine. I had a 4 year old default, numerous payday loans spanning several years and cleared 3k worth of debt a couple of months before application. Had our offer from natwest in 10 days. 
I scared myself silly reading these forums. One missed payment shouldn't make a difference x

piyush5

Had my mortgage application with Halifax through a broker. Never had any loans, mortgages etc. The broker never asked me to submit my salary bank statement. The broker also admitted he may have made a mistahe. Halifax could never validate my salary. I am in a permanent employment. Ultimately it got refused last week. So I have a couple of hard searches from Halifax in my credit file in December. Nothing besides this is adverse in my credit report.  Now I have got AIP from Natwest and have a meeting with Natwest mortgage advisor tomorrow. Just trying to understand what is Natwests opinion with person with mortgage hard search a month before.