I'm a FTB but this is my 2nd mortgage application (first one expired) with the same place (NW). Last time I went for a meeting with their mortgage advisor and everything went smoothly but this time not so much.
I contacted my advisor from last time to ask them the best way of re-applying/continuing the previous application and they just wanted to know of any change in salary etc. so I sent them all the details but was told they couldn't lend as much as I wanted, which wasn't confirmed by their online calculator. When I queried it they run the figures again and came up with a higher amount, still not as high as the online calculator but doable in terms of budget (at a squeeze).
Having just accessed the application through my online bank, I have looked through the summary and found about 10 mistakes :eek:
These range from switching mine and my OH's details halfway through (as we are labelled applicant 1 and 2) to having no mention of our bonuses which is presumably why the figures were different.
I now don't know what to do, I don't want to hold up the application or annoy anyone by pointing it out but surely if they are doing their jobs properly someone along the line will query why half the details are wrong? It would also make things a lot easier if we could borrow the higher amount...
Has anyone else had this problem?
I contacted my advisor from last time to ask them the best way of re-applying/continuing the previous application and they just wanted to know of any change in salary etc. so I sent them all the details but was told they couldn't lend as much as I wanted, which wasn't confirmed by their online calculator. When I queried it they run the figures again and came up with a higher amount, still not as high as the online calculator but doable in terms of budget (at a squeeze).
Having just accessed the application through my online bank, I have looked through the summary and found about 10 mistakes :eek:
These range from switching mine and my OH's details halfway through (as we are labelled applicant 1 and 2) to having no mention of our bonuses which is presumably why the figures were different.
I now don't know what to do, I don't want to hold up the application or annoy anyone by pointing it out but surely if they are doing their jobs properly someone along the line will query why half the details are wrong? It would also make things a lot easier if we could borrow the higher amount...
Has anyone else had this problem?