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Review of the Santander, Mortgage:

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Dont waste your time - agreed and then refused.

We submitted our mortgage application 10 weeks ago and are at the point of exchange. Santander have asked question after question, which we had immediately answered and filled in every form they asked us to, but each re-submission takes 7+ working days for them to assess. Don't know why they are unable to ask all additional questions in one go? I have a LTD company with full accounts and my husband is PAYE. I was starting to worry 3 weeks ago (still waiting for the offer) after reading the reviews on this site, however, my broker managed to contact them and they provided an offer via email, which we were happy with. 3 weeks later, they have now refused to offer and have left us in an awful situation, where we are likely to lose the house we are buying. I wish they had been upfront with us, as we would never have wasted our time. Santander have been the only stressful part of our move process and we should never have applied to them, despite what our broker advised. We are devastated now and will have to try to pick up the pieces with another lender. However, who knows if we'll be able to do it in time.... Reviewed on: 30th December 2020

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