We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
AIP REFERED
Niamh5664
Posts: 22 Forumite
Hi guys, just after a bit of advice as I’m just worrying and stressing. We have an AIP with Coventry building society that was referred to underwriters, thankfully all was okay and we have been excepted. Our mortgage advisor told us that because we have been manually checked pre-application that it should be smooth sailing when we apply to full application. We put in a full application last Tuesday (27th of April). Told it would be around 2 weeks to get a decision. Just wondering if anyone had been in the same situation and are you almost guaranteed to get a mortgage offer? Nothing has changed since AIP and application in regards to credit etc etc. Pleas help haha? X
0
Comments
-
@niamh5664 There are no guarantees until you have the offer in hand
but the DIP being referred means an actual person has done a quick sense check on the application (plus any documents requested) and not seen anything obvious that that could lead to a decline. So, in that aspect it's better than a fully automated DIP. I hope that makes sense. Good luck!
I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.
1 -
Thank you for your reply, ah I see! Do you know if it’s the same check they do on the AIP and full application in terms of our documents and affordability? Thanks in advance 😊0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.9K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 246.9K Work, Benefits & Business
- 603.5K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards