[timwilky]

I was with Alliance& Leicester, sent my mum in to collect a mortgage application form, filled it in and mum dropped it off. 1 week later there was a letter on the doormat to say my mortgage was approved. Isn't this how the the process should work, you apply, and get yeah/neigh. No faffing about establishing what they may/may not be prepared to lend. You know what you can /cannot afford. Put a decent deposit down and where is the risk?

Closed all accounts with them when they became Santander. The wife was with abbey and had nothing but issues since they became Santander.