Fucking surveyors, fucking Nationwide, fucking housebuying. All go fuck yourselves!!!

[CrapBag]

Arrgghhhhhhh. Having major rant.

Had a couple of threads over which house we should buy. One we wanted sold so decision was made. It was next to relatives, a bargain, needs work but nothing major, decent deposit, Nationwide said we could borrow up to 105k (which is more than we are paying for the house anyway) so we weren't worried.

Now its one thing after another!!

Had MIP for 45k, no problem. New stupid fucking mortgage rules came in and they said we can only borrow £34900 which is ridiculous as its not even double DH's wages and that's not taking into account child benefit, child tax credit and DLA (which they allow for mortgage purposes). They have said our out goings are too much to borrow more!! We don't spend any sodding money. Small credit card balances, one of which will be paid off, small child care (£26 a month for lunch times only, they even queried why this was so low), petrol and £30 and £40 a month for me and DH which covers the kids clubs (they said we have to declare this), council tax and buildings insurance, which are essential anyway. Its been a joke tbh as they said we couldn't afford a mortgage of £218 a month (even though we had been paying £425 now, they didn't even ask this).

Anyway as we were lucky enough to have the extra 10k we went ahead and they said the mortgage offer would be out in about a week (now). Now they are asking for more bank statements and a full structural survey! We had a homebuyers report done, booked and paid through Nationwide. They knew it was a steel house but nothing was said.

Now they are saying the house is worthless unless the full structural survey is done! FFS, why couldn't they have said this before!!

We were thinking that we would be completing at the end of this month, now it won't be and we are on holiday next week.

Problem is, before we looked at houses up to 150k because based on what they said we could borrow and our savings, if they are only willing to lend such a small amount we can afford fuck all in a shite area. So I don't know.

We need to move, we are in a tiny 2 bed with 2 children (boy and girl), we have no space here and we have sold. We have a significant deposit, DH has a full time secure job!! We don't smoke, drink, have Sky, eat out (apart from odd carvery), we have cheap caravan holidays and they won't fucking lend a decent amount to us, that we can more than afford!! Its such a joke.

Any help or suggestions or join in rants would be very much appreciated at this time.

[CrapBag]

I wish we had known we would have this much hassle with them, I wouldn't have bothered else.

3 times they have written and asked for supporting documents. We send it in, then later on we get another letter/text/email saying they are waiting for supporting documents. I have to phone to say we have done it all, then it turns out its something different. Aske for it all in the beginning FFS!!

Now they are waiting for the structural engineers report they have now said they want, right at the time when we were told our mortgage offer would be done, now its not until this is sorted. They also want more bank statements, the account where the dd will be paid from, the account where we have paid their fucking mortgage for the last 5 years! They have already had DH's conformation of income which is the bank account details they are asking for. As we haven't sent it in the day after they have requested it, they keep phoning us. We were on bloody holiday! Its a good job they phoned DH's phone, not mine because they would have got a gob full.

I don't know why they are chasing this account information when nothing can be done until the report has been done, which has to be done by the vendor, not us.

They are getting right on my tits.

Funnily enough we had also paid off our current mortgage with them too. Looks like this move may be more short term than we thought. Certainly won't be going with them again.

[ThePerfectNegroni]

I thought I would update on our experience with Nationwide. We got our DIP and put our application in last Weds. It took hours on the phone. We sent supporting documents in and the survey was done yesterday. We got an email this morning that we had had a satisfactory valuation and they were making a formal mortgage offer and would write to us.

We had a very different experience to the people above and don't want to put you off.