Has anyone used the Nationwide (via call centre) for a mortgage and how long did it take to be agreed?

(108 Posts)
CuddyMum Thu 11-Apr-13 09:52:15

My application was processed yesterday (after many lengthy conversations and system crashes). We are porting our existing mortgage and adding a new mortgage for the house we are buying.

The call centre estimate 6 weeks to process but in reality, how long should this take?

Sinkingfeeling Thu 11-Apr-13 10:53:23

We did exactly this (ported current mortgage and added a second one) with Nationwide last year - I don't think it took more than a couple of weeks for our application to be approved. We had several appointments in the branch though, rather than going via the call centre. Are you fairly confident that you've supplied them with all the documentation they need (payslips, P60s etc)?

Sparklegeek Thu 11-Apr-13 10:58:41

We've just done exactly the same - have ported & added with the Nationwide. All done over phone. We had one hiccup which potentially could have scuppered the whole move, they misinformed us on something to do with DH's self-employed earnings. But it only left us with a 3.5k shortfall on the mortgage which we've found elsewhere. From initial application to today, when formal offer came in post, must have been 4 weeks but if you're not self-employed I'd imagine it would be quicker.

CuddyMum Thu 11-Apr-13 11:05:00

The last two moves, we have liaised with the person who covers our branch. However, upon speaking with her she told us it would be quicker to do the application through the call centre as she was busy! Following the application process yesterday, I took the original payslips (as advised) to our local branch for them to fax through with a cover note saying they had witnessed the originals so that this information could be attached to our case file.

I have given our employer details (although they have never previously written to our employers) and that won't be a problem, as I will be the one preparing the reply for my manager to sign and my husband's HR team will process the reply quickly too.

The Homebuyers report has been requested. What else can possibly take 6 weeks though?

tartiflette Thu 11-Apr-13 17:20:52

We've done exactly the same, ported and added on. We're two and a half weeks in and still waiting although the survey was done quickly and they let us know by text and email almost straight away that it had been satisfactory.
The pain with ours is that we're relocating so they've asked for an employer's reference this week from DH's soon to be boss - who is of course out of the office until Monday hmm
Why they didn't just request it two weeks ago I don't know.

DorisShutt Thu 11-Apr-13 17:27:27

Yep - about 2-3 weeks in total.

Loved them, so easy to do unlike the Royal Wank of Scotland

CuddyMum Thu 11-Apr-13 18:33:43

Oh I hope ours takes 2-3 weeks Doris. Did they ask you for any further information once your application had been submitted?

Prawntoast Thu 11-Apr-13 19:25:35

2.5 weeks, but only after I put a rocket under them. The mortgage consultant had said it would be 6-8 weeks.We already bank with them and weren't looking to borrow more than 40LTV so that may have speeded it up. The Nationwide have just reduced their rates again though so they may get busier in the next few weeks.
I did the same as you, took items to the branch for them to copy and send on, when I enquired 2 weeks later as to what progressed was made they told me that some of information was illegible on the copies, I did ask them why they hadn't contacted me immediately, after a good moan and sending the stuff again they approve the mortgage in 3 days. I would call them and check they have the copies that you have sent through.

CuddyMum Thu 11-Apr-13 19:52:56

I shall do that prawn - good idea.

Notyetthere Thu 11-Apr-13 23:17:15

Prawntoast do you happen to know about the new rates and where we can find them? I would hate to find out that the rate of the product we have got dropped merely a week after submitting full application! hmm

Prawntoast Thu 11-Apr-13 23:31:12

Nationwide website has the current rates, the deal we got was 2.59%, they are now offering the same deal at 2.49%. I think most of their deals have dropped by 0.1%. Mind you this is our 2nd application with them in 6 months (previous property fell through) and we were originally on a 3.19% deal so can't moan really. I remember paying 13% back in the day!

CuddyMum Fri 12-Apr-13 09:12:09

I just called re the payslips and they confirmed that they have received them. I am now waiting for Countrywide to arrange the Homebuyers. I hope they hurry!

Prawntoast Fri 12-Apr-13 13:07:52

That's good news Cuddy, they arranged and carried out the homebuyers survey very quickly. I think we had confirmation that it was satisfactory about 4 days after we submitted the application.

CuddyMum Fri 12-Apr-13 13:13:47

Just had confirmation that Homebuyers survey is next Friday smile

Notyetthere Fri 12-Apr-13 14:23:43

We are having our homebuyers survey on Tuesday. Fingers crossed all our surveys come back ok and satisfactory valuation.

DorisShutt Fri 12-Apr-13 14:26:24

Oooh - vicarious excitement! wink

I'll keep my fingers crossed for you!

(And to answer your question, no they didn't ask me for anything else, but I used to work for a bank so I gave them everything they could possibly want, and about 300 documents they didn't! grin)

tartiflette Mon 15-Apr-13 13:59:17

I just rang them for an update - they've now finally got everything they need so should be able to issue an offer by the end of the week, so that will have been 3 1/2 weeks for us.
We were complicated though so those of you who aren't relocating/new jobs etc may well get through it more quickly.

I'm still not letting myself get excited!

Prawntoast Mon 15-Apr-13 18:03:30

Good news for everyone, I've been told we should be in a position to exchange very shortly - but I'm not holding my breath!

Prawntoast Mon 15-Apr-13 18:05:51

I've just read that back, I meant it sounds like everyone is getting good news not that members of an internet forum should rejoice in my news - feel free to if you want to though grin

BooksandaCuppa Mon 15-Apr-13 18:28:16

Porting our mortgage to new purchase but paying some off (with Nationwide).

Ours was less than ten days...survey instructed and carried out within 4 days; I posted off payslips/P60s immediately I got off the phone and we had mortgage offer in ten days.

We're borrowing less than 15%, though, so it possibly didn't get more than a cursory glance...?

tartiflette Mon 15-Apr-13 18:51:25

grin Prawntoast

Notyetthere Tue 16-Apr-13 17:21:22

Had our valuation / homebuyers report survey completed today. Heard nothing back yet; all this waiting is proving to be rather the stressful bithmm

CuddyMum Tue 16-Apr-13 18:18:41

Homebuyers now booked in for Monday 22nd - hurry!!! Borrowing a lot more than 15% so I guess they'll be more thorough!

Notyetthere Tue 16-Apr-13 18:52:23

Text and email just in;
valuation satisfactory. Formal mortgage offer in the post! gringringrin

CuddyMum Tue 16-Apr-13 21:54:24

Fantastic Notyetthere! Did they write to your employers for a reference?

Prawntoast Tue 16-Apr-13 22:08:53

Good news notthere.
cuddy, they didn't write for employers refs for us, just had p60 plus most recent payslip.

CuddyMum Tue 16-Apr-13 22:12:18

So far they've only asked for the most recent payslips. I've had a P60 today and wonder if should send it to them. Husband hasn't had his yet and his is the important one smile

tartiflette Wed 17-Apr-13 12:24:36

Just had my text to say offer in post!

<collapses with relief>

Cuddy you should only need latest payslip with no ref if you're both employed and staying in same jobs.

Prawntoast Wed 17-Apr-13 14:25:03

cuddy, I would call them and check whether they want P60's. If your DH hasn't got this years yet they would accept last years as long as you have the most up to date payslips as well. When we applied our P60's were 10 months old.

CuddyMum Wed 17-Apr-13 16:24:41

Just had the hard copy of the initial paperwork through the post and it does say just payslips (which have already been faxed via the branch). As I have to sign this document and send it back and I will also send a copy of the payslips (again!) - belt and braces approach!

Yay Tartiflette! I'll be relieved when this is all over. I've said it so many times before but I'm not moving again smile

Notyetthere Wed 17-Apr-13 17:32:23

Tartiflette, well done!!!smilesmile

Cuddy, seems to be your case is going along ok. Our payslips were also 10months when we applied. I had received a payrise in that time so it was reflected in the recent payslips. I gave them a copy of the payrise letter too just in case.

I am relieved for now that mortgage offer is given but I will not settle until exchange/ completion. I have read somewhere that they can still pull your offer up to the day of completion for audit! I hope ours is not one of them. I would assume that we are a rather straight forward case 1st time buyers, no defaults, stable(fairly) jobs and our main accounts with them for over 2yrs.

CuddyMum Tue 23-Apr-13 09:50:07

Homebuyers survey was carried out yesterday. How long will it be before I see a copy of the report? Is it realistic that I will get the report this week? I am very impatient!

CuddyMum Tue 23-Apr-13 14:59:27

Just called Countrywide and they advised that the Homebuyers Report normally takes 5-7 days.

We put our application in on 12th (offer accepted on house on the Tuesday ebforehand) via IFA - we're (hopefully!) going to be with Nationwide too. FTB's here though. They requested an additional bank statement for October last year for some bizarre reason, scanned and emailed that to IFA yesterday. They've confirmed that they have received it.

Date we gave vendors is 31st May...so fingers crossed all goes well and we can complete then! 6wks on Friday!

We've had the texts too, valuation survey satisfactory , nothing since last wednesday though

CuddyMum Tue 23-Apr-13 17:20:58

It scary isn't it - we have only 5 weeks to complete.

Notyetthere Tue 23-Apr-13 17:39:04

Nationwide were quick throughout the process for us. We had the survey completed last week on Tuesday and we received the offer text that same day evening. We then received the homebuyers survey via email on Thursday. We received the paper copy of mortgage offer yesterday.

All we have to do now is chase our solicitor. All searches done apart from LA search which we are expecting about 2nd May.

Solicitor received the draft contract on 16th April but is yet to raise queries from it. Should we have expected this to have been started by now? I will check on Thursday.

We hope to exchange before 15th May so that we can give LL 1month notice to be out on or before 15th June. We have been advised not to give notice till after exchange. We are flexible on completion date and are happy for the rest of the chain to dictate that, within reason of course. I have just noticed that we have not given our solicitor the dates aforementioned!

Sparklegeek Tue 23-Apr-13 17:48:27

We are also with the Nationwide, think I replied upthread. We have gone from offer to exchange in 6 weeks & will complete in another fortnight. From house going on market to completion it will be 11 weeks.

Hang in there everyone & good luck smile

Fantastic Sparklegeek smile

Yes cuddlymum trying not to panic, but its scary how fast time is going!

CuddyMum Tue 23-Apr-13 18:47:03

I think I was hoping that I too would have the text from the Nationwide but alas I'll have to wait. I guess it depends on the surveyor and how quick they are to process at their end.

CuddyMum Wed 24-Apr-13 15:59:04

Urgh! There's a problem. The surveyor has reported traces of a treatment called aqua foam to some of the roof timbers. Nationwide are the only lender who will refuse a mortgage based on this (computer says no!).

I have been able to speak to the surveyor who says that if the vendor can remove the traces he can go out and re-inspect. I have to process this via the Nationwide but I can call him and he will ensure it is him to re-visits.

When I spoke to the Nationwide they said that the application was with the underwriters and he would put a note on the file so that they would not cancel the whole application!!!!

The EA is speaking to the vendor to find out when he can chip it off and then the surveyor can go back round. I just hope that this is acceptable.

Oh gosh CuddlyMum - hope it all goes well.

IFA called and asked if we'd be able to pay a personal loan off, as it looks like they may ask for this to be done confused we've said yes but i just feel like we're jumping through hoops and could still be declined (IFA doesn't think we will be declined, I am just unwilling to get excited and probably won't until I have the keys in my hand)

Notyetthere Wed 24-Apr-13 17:24:20

Pretty, our offer letter had conditions that we pay off the £900 credit card bill I had. I had budgeted for it but I assume they would still lend but a lower figure due to the extra financial commitment. I believe you don't have to pay it off now but just promised to pay off before completion. we declared the debt and also promised we would pay it off.

Cuddy, I don't know what the aqua treatment is (off to google now). But let's hope it does not slow things down too much. Fingers crossed.

CuddyMum Wed 24-Apr-13 17:48:59

Well this aqua stuff is something that was used to insulate the roof and rafters. When the current vendors moved there over 15 years ago it was brought to their attention and they actually put a whole new roof on. From what I am told, the product isn't harmful and there really is only a trace of it on the rafters but it's something that only the Nationwide object to.

CuddyMum Thu 25-Apr-13 17:49:48

The remnants of the products will be scraped off by the end of this weekend and the surveyor is revisiting on Monday. He will resubmit his report and hopefully the mortgage application will be unsuspended.

Just had IFA call for an update. They have requested a reference from our employers? Hopefully they'll be nearly done when they get this back, longest 2.5wks we've ever had, hope it wont go on for too much longer

Can I also ask - what happens if we don't receive formal mortgage offer before completion date confused (not til the end of May, but still...

CuddyMum Mon 29-Apr-13 16:18:00

Our surveyor has revisited the property today to inspect the beams. He is happy to resubmit the report to the Nationwide and recommend that they can lend now. I have to call the Nationwide again to ensure that they have received the report and ask them to process. I hope it doesn't take too much longer as we are due to move in 4 weeks!

Good luck CuddlyMum - our completion date is 31st May...I just want to know either way now. Have not been hearing good things about them

CuddyMum Mon 29-Apr-13 16:46:53

Oh no. I have to say that I have been liaising with them about this non-issue with the survey and they haven't been very helpful at all. I have emailed my local representative who I normally would have gone through to say I am very unhappy and could she intercept the application. I only applied over the phone because she said it would be quicker and she was busy! I am very sure that you cannot complete without the mortgage offer and the funds in place.

CuddyMum Mon 29-Apr-13 17:15:42

I have chased to see if they have received the report but they tell me it probably comes via fax and will take 24-48 hours for them to update my case. I have been advised to call again same time tomorrow.

CuddyMum Tue 30-Apr-13 11:51:37

Had a message on my phone today from Nationwide asking me to call re an update to my mortgage. When I called there was nothing on my records and the case was still suspended but I should call again in 15 minutes in case someone was still typing on my file. So, I called again, got through security yet again and explained everything again! Was told the surveyor had not recommended the property... hang on - they were clearly reading the old report. They've had to chase via panel services who confirmed that they will fax the revised surveyor report over but that there is a backlog. Now I have to call again later today to see if this has happened so that my case can be progressed and passed to the underwriters. Nightmare! I will never use a call centre for a mortgage ever again. sad

Oh no! This is crap sad

Must be time for wine

CuddyMum Tue 30-Apr-13 16:37:33

I just called for an update. The report has now been successfully passed to the underwriters and is in a queue. Should take about 2 more days unless of course they need anything else from us!

Can't have wine as have to go out but am making up for it with brew.

Phew, fingers crossed!

Notyetthere Tue 30-Apr-13 17:22:11

Cuddy they have had you jumping through do many hoops! It's like another job on its own trying to keep on top of everybody. Good luck hope they get a move on soon as your timescales are pretty tight..

CuddyMum Tue 30-Apr-13 17:25:09

It's a good job that I work part time, as I don't know how any of this would get done.

I am in a permanent state of feeling ill atm

CuddyMum Tue 30-Apr-13 17:28:45

I know what you mean. I'm sure I shall come down with something once all this is over.

Ragwort Tue 30-Apr-13 17:34:56

Hope your mortgage gets sorted quickly. We had shocking service from Nationwide - we have banked with them for over 20 years, had another mortgage with them, all paid off, and just wanted a very small new mortgage to enable us to get a buy-to-let property blush. We had over two thirds cash & so relatively speaking it was a small amount to borrow against the value of our mortgage free property (about 10% of its value).

It took forever, we were seriously unimpressed. We made a strong complaint afterwards and got three bottles of wine hmm.

oh dear Ragwort sad

CuddyMum Wed 01-May-13 16:26:08

Things are not looking good. Just called for an update and my case has been suspended again and notes from the underwriters to say that they are unable to proceed with my application as the property is not suitable security to lend on!!! WTF! I am actually going to cry!

CuddyMum Wed 01-May-13 16:33:59

Sweet Jesus! The underwriters have been looking at the wrong bloody survey report. They are escalating and I should know by close of play tomorrow. I did shed a tear whilst I was on hold!

Notyetthere Wed 01-May-13 23:37:22

Oh Cuddy that is shity!!! It's like everything that would have gone wrong in the underwriting circle did. Hope they sort it out for you tomorrow. We need some good news from you soon and I have a feeling you will finish this week on high.

CuddyMum Thu 02-May-13 15:38:09

I HAVE THE MORTGAGE OFFER (and yes I am shouting)!!! Yipee!!

Fantastic! So pleased for you smile

Got our IFA to call today, our home report is now out of date sad so we have to arrange another one grrrrrrrr

Notyetthere Thu 02-May-13 17:29:54

Well done Cuddy!!!smilesmilesmile
I will have a shot of brandy on your behalf!!! 3 weeks till you move, I think it can be done. Good luck..

CuddyMum Thu 02-May-13 18:23:24

Thank you notyetthere.

Oh no, pretty - I can't believe you have to have another Homebuyers report done. How old is the first one?

was done end jan, appear to only last 3mths! sad

CuddyMum Thu 02-May-13 21:01:03

Really? That's awful. Surely, nothing will have changed in 3 months. Poor you. sad

As you've already seen the Homebuyers can you not just get the valuation survey done?

bank want updated homebuyers sad just getting so frustrated by the whole thing. i hope the end is in sight

CuddyMum Thu 02-May-13 21:38:53

That is dreadful and what a waste of money. I hope this is sorted soon.

Me too. DH is going to call today, and see if it can be done ASAP. Shame about the bank holiday, its just going to delay everything even more sad Originally, I had been looking at today to give nursery and landlords our notice (obviously had we had offer) but thats not happening. I can see there is going to be an overlap, which means I will be paying rent and mortgage and two different nurseries for at least a week, possibly even more sad

Notyetthere Fri 03-May-13 08:38:50

Pretty even after we received the mortgage offer we dare not give LL notice until we exchange! It could FTB nerves maybe hmm since all searches have been completed, only one response to enquiries left and then exchange; surely we can give notice now? I too dread the crossover where mortgage and rent will happen at the same time.

It was something we didnt take into account for either sad i am petrified! just want to know either way. my eldest will have to move school to, would prefer her to have a little time at the new school before holidays and youngest starts after summer too. cant buy uniform etc sad i knew it was stressful but come on sad

Still no news here sad

The homebuyers report has been redone and sent off; we got a bill for half the cost yesterday - not as bad as we were expecting

Hope everyone else is doing well and Cuddly, hope you're getting packed smile

CuddyMum Tue 14-May-13 11:20:20

Packing in process - hoping to move next Thursday! Hope you hear something soon pretty smile

DH called the IFA this afternoon. Nationwide haven't requested the new homebuyers report yet sad i really don't see us completing on 31st! It's not just a case of us packing up and going - we need to give four weeks notice to housing association and nursery. I really can understand why people say it's so stressful!

Good luck for your move! Not looking forward to packing. We're upgrading from a 2 bed to a 3 bed, but with a smaller kitchen and less built in storaeg, house is full to bursting with stuff so will be an adventure ;) hopefully get rid of some stuff on sale site smile

CuddyMum Tue 14-May-13 16:30:25

How frustrating for your pretty - are you able to liaise with the Nationwide yourselves?

No, because we went and did it all through the advisor, they won't speak to us sad

CuddyMum Tue 14-May-13 17:43:16

Oh no! I didn't realise that sad

CuddyMum Tue 14-May-13 17:47:54

Oh no! I didn't realise that sad

neither did we sad

This morning in the post we received our offer smile there are a couple of conditions, so trying to work that out but hooray! And fingers crossed for plain sailing. Believe we are going to ask for an extention on completion date, as not likely that we will manage in 13 days confused to move in and hand in 28 days notice to HA!

CuddyMum Sat 18-May-13 17:50:18

What conditions have they put?

a store card paid off

CuddyMum Sat 18-May-13 21:41:20

We have that too - they want a rather large credit card to be paid off. A bit silly really as that was why we borrowed extra so it can't all be paid off before completion, only afterwards.. The solicitor was worried about it but the Nationwide we quite blasé! We shall see what happens on completion day!!!

Notyetthere Sat 18-May-13 22:21:16

We too had the condition to pay off the £900 on my credit card but we had budgeted to pay it off anyway. I had been warned by another person who had just got one of the very low deposit products that if I was hoping for the same I should not have any other commitments apart from student loan.

Update from us, we exchanged on 15th May and we are to complete on 7th June. I was hoping to exchange b4 31st May but I believe there was issues further up the chain( new build at top of chain).

Cuddy congratulations on your progress, I hope to never have to go through what you have! It has been epic on our very basic, supposedly uncomplicated sale; probably 1st time buyer ignorance and not realising the amount if time spent waiting for other people to do their job. How are you getting on with the packing? I'm rather enjoying mine!grin 1st time for everything I guess,I'm sure I won't enjoy unpacking our the excitement wears off!

CuddyMum Sat 18-May-13 22:46:53

I'm bored with the packing and not looking forward to unpacking! Am packing to go on hols too as we go away two days after we move! I don't want to move again but I've said that before!! Once we're unpacked we can start making decorating plans smile

Notyetthere Sat 18-May-13 22:59:13

The house we are buying has all been done up so we don't need to do any decorating! Maybe touch ups where dirty moving men will have left scuffs. I'm sure we paid dearly for a house that is already done up compared to a project but at least we can move in and just enjoy living in it immediatelysmile.

Today we bought a garden table with 6 chairs. DH was looking at chiminea as the only way can enjoy the new garden furniture is by keeping warm in this rubbish weather in our lovely new garden.

Fingers crossed Notyetthere smile

I called the education dpt and the school has space. We need the missives to prove we will be living there but I assume we won't get them until completion?! In which case, they might not get to start until new term anyway with possible 4wk processing time for school transfer sad in which case a 20mile drive to school each morning for 5wks (if we don't get extention on completion) or 2.5wks (if we manage to get the 2wk extention we are hoping for). Such a confusing business all this home buying!

Notyetthere Sun 19-May-13 23:03:24

Thank you pretty.

Oh Dear, what are missives?shock I thought I had received all docs from our Solicitor?

Today I started on the deep of our rental flat as I wish to get all our deposit back. The flat normally looks clean but the gunk that came from shower cubicle corner was shocking! I swear I got high on sniffing all of that bleachgrin.

Notyetthere Sun 19-May-13 23:03:53

Deep clean!

CuddyMum Sun 19-May-13 23:06:43

The local authority were happy with a letter from our solicitor or estate agent! Technically, we could have got a place and not actually moved! We were sold the uniform before we had exchanged.

When I called the education department, they said we needed the missives...I believe they are just the deeds? I'm not sure Notthereyet confused

CuddyMum Mon 20-May-13 15:51:13

Ah missives - I guess you are in Scotland smile

Yes smile

DH spoke to the solicitor yesterday, everything is to be paid beforehand. It's a store card and a credit account. Also going to have to gather together money for new nursery too. Current nursery is sort of pay as you go, they only needed a registration fee before she started, new one is a month in advance.

Looks like we are all go, managed to get completion moved back a week but it'll do. So we will get the keys on 7th. Told nursery and school, school filling in a form I need to sign for transfer.

CuddyMum Wed 22-May-13 16:23:28

Well done pretty. Now our solicitor said we had to settle our credit card before, however, Nationwide said otherwise. We are moving tomorrow and the funds arrived at the solicitors today. It will be interesting to see if anyone checks to see if I have paid the credit card or not!

From what I can gather reading online, they don't appear to check

Good luck for the big move! smile

CuddyMum Wed 22-May-13 16:33:55

Thank you! All the best for you too smile

Thanks smile

Paid our deposit yesterday, and all contracts exchanged grin a bit shock at how fast our bank called to enquire. Tried to make loan payment today, and bank appear to have blocked it blush common sense would dictate that in buying a house, there may be some higher levels than spending than usual you'd have thought hmm

Got to go in branch and see them now, hope they money will still be available to send today envy

Buddhagirl Tue 20-Aug-13 10:17:38

Aw gawd, I'm stressing. We had an offer accepted on Friday afternoon, but not been able to get an appointment with Nationwide until a week later (this friday) he said that there is a delay on valuations at the moment.

Have i fucked this up by waiting too long? All you hear is that sellers pull out of buyers are not quick enough and I don't think I'm being quick enough.

I'm stressed already and not even really started yet. Give me cake

TerrysNo2 Tue 20-Aug-13 10:47:23

Buddha anyone getting a mortgage is in the same position so I wouldn't worry too much about your sellers.

my one piece of advice is to get a valuation only through your bank and if you want a survey to get it done separately. Valuations only can usually be done quicker than a survey and you can find your own surveyor who is available quickly.

Buddhagirl Tue 20-Aug-13 11:43:58

Good advice TerrysNo2, thanks.

Kane17 Tue 03-Sep-13 16:28:35

Hi
I am currently in the process of applying for mortgage with nation wide, the financial advisor is coming out on Thursday to complete the application. We have been accepted for decision in principle (DIP). Need to pay for application process on Thursday and booking fee due to buying new build. I am worried about paying out (plus solicitors want 400 to start searchers etc) without being 100% we have mortgage offer!! Credit score is good, affordability is there. But some of threads on other sites are making me twitch. We need to provide 3 months pay slips and bank statements. My hubby has just started new job so getting a reference from his employer to give to. Did everyone worry like this?? What can make them say no once having DIP??

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