Our mortgage has been withdrawn! :(
We applied with HSBC onine, provided all the details, had a valuation survey, and got an approval within a week. Borrowing less than the maximum they would lend.
2 weeks later,(on tuesday) they then said it had been passed to an underwriter who wanted some p60s as there is another house my partner owns which is rented out. It was disclosed on the applicatioon, and all the figures given. Its self sufficient, as in the rent more than covers the mortgage and any other outgoings, and its a repayment mortgage rather than interest only, and he overpays on it each year.
Today we got a call saying the underwriter has reviewed it, and it now doesn't meet the affordability criteria.