Nationwide Save to Buy - I've been so stupid

[Honeybear30]

So started this account last August, whereby you save £50 a month for six months and depending on your circumstances they will approve a 95% mortgage. For some reason the standing order I set up with my bank to pay the £50 expired last February and I stupidly didn't notice. Chances are I setup the expiry date without realising. So you can miss three months payment in 12 months and not be penalised but I've missed four. By one sodding day as it's 1st July today. If we were to get another bank to approve a mortgage for us would we be able to get nationwide to be lenient and grant us a mortgage? (We want to go with nationwide because they offer exactly what we want) Has anyone got any experience with this scheme? I understand that there are rules and restrictions and we've not met them but I'm hoping someone has a positive story to share. I'm so annoyed with myself. And also pregnant so possibly hormonal and slightly irrational. Our tenancy runs out in august so we are on a bit of a deadline as we want to buy our rented house and the baby is due in September. All advice/experience welcome!

Fair enough OP - I do tend to go off on one sometimes!

It was just your comments about them bending the rules for you and just thinking of their commission that made me wonder how much you'd researched the options and whether you appreciated just how hard it will be getting a 95% mortgage with a baby on the way.

I still wouldn't pin all your hopes on this, especially given your timing restrictions, but good luck with the application and the baby

You didn't miss the payment by one day. You missed a payment FOUR MONTHS IN A ROW.

Seriously. Your husband may be an accountant but someone in your family is a ditz.

Yes it's me. No need to shout. Did I not already say it's my fault entirely?! You've contributed nothing. Thanks.

Try London and country.
They may be able to help you.

On a slight tangent, we remortgaged while I was on mat leave and Which mortgage advisors recommended Santander as a lender who are pretty good with mat pay. A lot will just dismiss it which isn't very helpful. Just thought I would throw that in in case you need another option!

Why would you want to get a 95% mortgage anyway? Can you not keep saving and put down a larger deposit, you may have to buy in a lessthan desirable area or a fixer upper, but with young children, do you wnat the extra burden of a large mortgage with little equity?
Only you know what is best for your family and your finances.