Hi Chilly

Not a query I can help with - hopefully someone else will be able to assist.

Hi

I applied for a Scotwest mortgage in January and completed sale in march . It was a lengthy process over few weeks. They did question everything on bank statements etc.

They also insisted on doing their Own mortgage valuation and not going on home
Report value which was a headache as ours came back less than home
Report, they made us get reports from a specialist to say how much essential
Repairs were going to cost and put a retention on the value.

We had to send proof of guarantee as soon as we had got repairs done when we
Got keys.

All in all though it worked out fine although it was a worry and a stress at the time.

Good luck with everything.

I had a feeling you might say that. It's with the underwriters just now so I will see what they come back and say. We had to send over additional paperwork for them to look at but I still think they will come back with lots of questions.

I found the underwriters in the mortgage dept very helpful
And always quick to answer emails. Keep
In touch with them and hang in there. 5 months down the line I'm in my house with everything done, the headache was worth it!
When were u discharged?

Hi thanks for this, I've given them everything they requested so waiting to see if hey have questions etc next week. I was discharged 2016. Keeping everything crossed.

I'm sure all will be fine they just like to be very thorough

I was discharged Feb 2017 and got Mortgage Feb 2018 approved.

Good luck