Mortgage offer received

MrsD2005

Hello
I've never posted before but been lurking in the shadows for a while. 
Just wanted to recommend haras the broker who posts on here regularly. 
Its only taken 7 working days with her expertise from application to offer. We had one request for a p60 and that's it as she gained all into required beforehand.
Was so sure we would be rejected as we have some late payments and some existing debt. But it was so easy I am still in disbelief. 
Official offer letter came yesterday 😊

bell2020

Congratulations!

BigBus2017

MrsD2005 said:

Hello
I've never posted before but been lurking in the shadows for a while. 
Just wanted to recommend haras the broker who posts on here regularly. 
Its only taken 7 working days with her expertise from application to offer. We had one request for a p60 and that's it as she gained all into required beforehand.
Was so sure we would be rejected as we have some late payments and some existing debt. But it was so easy I am still in disbelief. 
Official offer letter came yesterday 😊

Congrats, out of curiosity who is your lender?

MrsD2005

Skipton is the lender

jg89

Can also vouch for @haras_n0sirrah who was amazing throughout the whole procees!!
After my previous broker messed me around, Sarah was able to get an offer for me in under 2 weeks.  

haras_n0sirrah

*blushing* - thanks for the recommendations

MiamiHeat90

Do Skipton typically request 1 month statement for an employed mortgage?

K_S

MiamiHeat90 said:

Do Skipton typically request 1 month statement for an employed mortgage?

@MiamiHeat90 Their min packaging requirements are latest 1 month's payslip and 1 month’s bank statement. If any non basic-salary is being used, latest 2 P60s are required to support the same.

Do bear in mind that Skipton retains the discretion to ask for more evidence if they think it's necessary, as do all lenders.

tervozina

MrsD2005 said:

Hello
I've never posted before but been lurking in the shadows for a while. 
Just wanted to recommend haras the broker who posts on here regularly. 
Its only taken 7 working days with her expertise from application to offer. We had one request for a p60 and that's it as she gained all into required beforehand.
Was so sure we would be rejected as we have some late payments and some existing debt. But it was so easy I am still in disbelief. 
Official offer letter came yesterday 😊

Congratulations!
we are applying with Skipton now too. They just asked for a letter from employer confirming that my husband returned to work after November furlough, so hopefully we will get an offer by end of week too.