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    • Samantha223
    • By Samantha223 19th May 17, 9:59 PM
    • 1Posts
    • 0Thanks
    Help - mortgage offer declined
    • #1
    • 19th May 17, 9:59 PM
    Help - mortgage offer declined 19th May 17 at 9:59 PM
    Just looking for some reassurance really... we are first time buyers who have a 10% deposit. We got a DIP from Halifax and a couple of months later have had an offer accepted on a house that is way under the amount that Halifax were willing to lend us (by 70k or so). Met with our mortgage advisor a few days ago and decided to apply with Nationwide as they have the best deal at the moment. I was completely honest about 5 late payments that I've had on a credit card and a store card over the years which is just down to forgetfulness. Our mortgage advisor said it shouldn't be an issue at all and both mine and my partners credit scores are good. However, we found today that our offer has been declined I kind of saw it coming and our mortgage advisor has said not to worry. We have now had a DIP from Natwest and have applied with them, but I'm so worried we will get declined again. We didn't even get a DIP from Nationwide so I don't know if the DIP from Natwest is a good sign for now??
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    • ACG
    • By ACG 19th May 17, 11:17 PM
    • 16,816 Posts
    • 8,773 Thanks
    • #2
    • 19th May 17, 11:17 PM
    • #2
    • 19th May 17, 11:17 PM
    The natwest DIP through brokers is pretty reliable I find.
    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.
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