Mortgage qualification prior to making an offer

Elwyn

I know this question has been asked before but not sure if Covid may have changed things recently.
My wife and I are looking to move home. Due to previous bad credit we used a mortgage advisor who has secured us a decision in principle with Kensington. We have a buyer on our house and are just waiting to find a property. 

We found one we really like, and have a viewing arranged. However, the estate agent has said we must be qualified by their financial advisor first. They have said we need copies of our credit report to hand.
Unfortunately Kensington don’t seem to provide an actual certificate outlining the offer. All I have is a screenshot from my advisors Kensington portal showing the DIP as approved. Therefore I cannot provide this to them. Although my advisor has kindly said I can pass on his number so he can chat to them.
I am now worried that their financial advisor will simply tell us we have bad credit and can’t proceed any further. Is this likely? What can / should I do when I speak to them?

MovingForwards

Say "thank you, I already have a broker and here's their number so you can check I can afford this property".

ACG

Funny as I literally read this 2 days ago - https://www.thisismoney.co.uk/money/experts/article-9146979/Can-estate-agent-hold-house-offer-dont-use-firms-finance-adviser.html

The estate agent can not make you use their broker, a call from your broker IS enough. But that does not mean estate agents will not try to "coerce" you in to seeing their broker. 

They have a legal obligation to ensure you are procedable, but a call to your broker will satisfy this. Insisting on anything more is probably breaking the law (Estate agent act 1979). - https://www.cimaglobal.com/Documents/ImportedDocuments/The_estate_agency_guide_jan06.pdf (page 4). 

Ask your broker to call them. 

Elwyn

Thank you both, I’ll do just that.

MaryNB

I had the same rubbish. Despite my initial protestations the EA walked me into a mortgage advisor appointment as if it was just the next stage in the process and strongly implying I needed to do to proceed. 

I cancelled it and kicked off when they rescheduled it and I had the most condescending **** pretty much tell me that I needed to do it for my offer to be attractive the the buyer. I refused.

Before the sellers would accept my offer the EA insisted on a financial check after I sent them my AIP (from Halifax) and my account statements showing my deposit. The financial check was a load of rubbish. It was 100% a mortgage advice appointment. No chance in hell I was paying something like a £600 lifetime membership fee. Also, the lender they recommended gave me a lower AIP than the EAs advisor said they would so I stuck with Halifax who gave me more than the recommended lender, the exact amount on the AIP I had in the first place. 

Four months later I moved into the house. Didn't give the EA a penny. 

K_S

MaryNB said:

I had the same rubbish. Despite my initial protestations the EA walked me into a mortgage advisor appointment as if it was just the next stage in the process and strongly implying I needed to do to proceed. 
I cancelled it and kicked off when they rescheduled it and I had the most condescending **** pretty much tell me that I needed to do it for my offer to be attractive the the buyer. I refused.
Before the sellers would accept my offer the EA insisted on a financial check after I sent them my AIP (from Halifax) and my account statements showing my deposit. The financial check was a load of rubbish. It was 100% a mortgage advice appointment. No chance in hell I was paying something like a £600 lifetime membership fee. Also, the lender they recommended gave me a lower AIP than the EAs advisor said they would so I stuck with Halifax who gave me more than the recommended lender, the exact amount on the AIP I had in the first place. 
Four months later I moved into the house. Didn't give the EA a penny. 

@MaryNB Wow, that's bad. As you would expect, I see a lot of this happen with EAs trying to bulldoze clients of mine but they're rarely this bloody-minded and persistent!