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    • aneary
    • By aneary 15th May 17, 10:42 AM
    • 887Posts
    • 836Thanks
    Leeds Building Society
    • #1
    • 15th May 17, 10:42 AM
    Leeds Building Society 15th May 17 at 10:42 AM
    Has anyone recently applied for a mortgage with Leeds I can only find old posts.

    I got a decision in principle with them going directly for more than I'm now applying for (with the same deposit), I'm just concerned that now I have submitted the application it will be rejected. Originally I went through a broker who said I would have to go through a specialist broker via him and then came back and said that unless I increased my deposit I wouldn't get a mortgage anywhere.

    My experian report is very poor and my equifax is great it appears the LBS only look at equifax.
Page 2
    • aneary
    • By aneary 16th Jun 17, 9:19 AM
    • 887 Posts
    • 836 Thanks
    Why didn't you ask them what they wanted before submitting your application.

    I have been asked for two things when submitting my application.
    1. Pick a different product (the LTV went down between my DIP and full application) - I ended up with a better rate.
    2. Please send in a gift form (my parents are giving me some money)
    One was done via the phone the other via email and post.

    Before I submitted my application I asked them (via phone) to go over everything I needed and submitted it all.
    • suzikettles
    • By suzikettles 17th Jun 17, 1:29 PM
    • 20 Posts
    • 1 Thanks
    and so did we but they keep asking for more my OH is self employed so that makes it not as straightforward as normal
    Maybe next week we will be happier...................
    stopped worrying about it for now as there are far more serious things going on in this world
    but still think that they are totally inept.........
    • maddison87
    • By maddison87 17th Jun 17, 8:07 PM
    • 8 Posts
    • 0 Thanks
    We were terrified looking at the reviews but we've had a positive, and pretty efficient experience! They asked for 3 months more bank statements and a written explanation of a couple of arranged overdraft fees but we had our offer within a fortnight- hope you have some good news soon.
    • sugarbabe84
    • By sugarbabe84 27th Oct 17, 4:11 PM
    • 181 Posts
    • 22 Thanks
    Just in case anyone is in the same boat, I spoke to Leeds today and I have an offer subject to the valuation, so I've been approved.

    I've managed to save nearly 1k in MA fees now I'm not saying by any means all of them are the same as mine I was probably unlucky but it does show that even without a perfect credit history you can get a mortgage without a MA.
    Originally posted by aneary
    What's a MA?
    • MysteryMe
    • By MysteryMe 27th Oct 17, 9:44 PM
    • 1,813 Posts
    • 2,206 Thanks
    I think it means mortgage advisor
    Last edited by MysteryMe; 27-10-2017 at 10:04 PM.
    • klb9090
    • By klb9090 14th Mar 18, 9:49 AM
    • 1 Posts
    • 0 Thanks
    Hi can I ask what kind of issues you had on your file? I am wary about applying for a mortgage has I have 3 defaults all historic, 4years ago and fully settled.
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