TML / The Mortgage Lender - Experiences, Timescales, General Help

Flyer14

Hi all,

This thread has been invaluable to me over the past few weeks, thanks both to the OP and to ACG. I have previous historic credit issues with a DAS (DMP) that was completed 22 months ago. Defaults etc that were included as part of DAS now all at least 5 years old but it is still lingering around (and sadly will be for a little while yet)

Timeline so far:

21/9 (Thursday at 4.30pm) DIP submitted - went to Refer which our broker expected.
25/9 (Monday morning) - DIP approved 

29/9 (Friday) - Full application submitted after a bit of negotiation on sale price. We have tried to pre-empt things providing proof of deposit, 3 x months payslips (they only ask for 2), 3 x months bank statements, Confirmation the DAS was completed successfully etc, pretty much anything we can think of!

Our broker is fairly calm/confident in the case after speaking to TML as they confirmed in advance they would place the case at RL1 rather than RL2 or RL3 and that they consider the completed DAS as a DMP, not an IVA. I am a nervous wreck in comparison at the prospect of things not going through on our dream property. Provisional entry date on the property is 9 weeks from now and he thinks from a mortgage point of view this will give us loads of time.

I'll post updates as and when in the hope it helps some others - meanwhile, back to all fingers crossed!