I will try to be brief - I am beginning to lose patience with Nationwide but don't know if their actions are typical of mortgage providers or whether they are simply taking the piss.
We have been trying to buy (and sell) a house since the summer. We applied for a mortgage with Nationwide through a broker, did credit checks and were told that 'a product had been reserved for [us]'. We were told the offer would last for 6 months, which would have meant until next month. The valuation was done a few weeks later and the surveyor asked for another report. Then we lost our buyer and the whole thing was put on hold. By November we had a new buyer so it all started up again - the same house was still available so no changes there.
They got the report and took a couple of weeks to respond to that (it was nothing important in the end). Then in mid-December they said they wanted to re-do our credit checks and requested new bank statements from us. Our bank was slow in sending them but we finally scanned them across between Christmas and New Year.
Then last week they said that was all fine but they wanted to redo the valuation 
. It just seems ridiculous - although it has been a longish time, it's not that long and the property was well-priced as it was being sold through a building company. We have had to pay another £300 because, apparantly the product we had been offered no longer exists 
. So much for lasting 6 months . it just seems like weeks are drifting by, everything else is ready to go and we are wasting time waiting for them. If they have taken another £300 from us just to refuse us, I think I will explode.
Sorry for the waffle. Basically, I want to know whether this is normal.