Had the advisor meeting yesterday with Halifax, everything went well to be Ho eat. She said were perfect candidates as far as Halifax is concerned, perfect credit rating and she can see we could afford it. However, we were accepted for up to 96k but only with a 10% deposit 😭
We only have 5% and I can't see us every being able to save up any more than that. So disappointed, I really wanted them to just say yeah perfect you can have it and come home knowing 100% we have it. Now it's like, yeah you can if you can find an extra 5grand.
So anyway then we decided to try our look with Santander over the road. I was hoping to book an appointment but luckily they had an advisor ready to see us straight away. She didn't do a credit check etc because she said their policy is that they do all that after you've found a home.
She went through all the calculations and it came up and said we could get 90k with 5% deposit! :DDD The only problem is because it wasn't a full application. We could put an offer in for a house and then have the mortgage rejected like it was in Halifax. So nerve wracking :(
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