Remortgaging my house as the fix comes to an end this year. Not taking any extra money. Called London and Country and did the over the phone disclosure on the Thursday, asked to send over a payslip which I did immediately. It was too early to put in a formal request, so had to wait until the Tuesday. He called me on the Tuesday with a final rate of 4.04%, I agreed and so the application was submitted. Had a text from the bank within a few hours saying rate had been saved and then had final agreement on the Friday morning!! No requests for anything other than my payslip, no valuation visit.
It was so easy that I rang L&C to check that it was actually the real offer and not an Agreement in Principle and was told that yes, it was.
It definitely wasn't that easy last time I applied to remortgage!!