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Alison Jones

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Review of the Skipton Building Society, Mortgages:

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DIP granted but full application declined after 2 week wait for decision!!!

Vey unhappy and annoyed that it took two weeks for them to tell me they were declining my full mortgage application. Underwriter made assumptions that I was upsizing and therefore made the assumptions that my outgoings will increase because if this. Nonsense! My current home is over 100 years old and the new premise was a new build and no bigger than what I live in now so will be far more energy efficient. Also quoted unrealistic figures when trying to justify her reasons for declining the mortgage. My husband and I both have very good credit scores as we have checked this with Experian and our records show we never miss or make any late payments. I can't understand how anyone with a ccj or bad debt can get mortgages but someone with a good record can't. The whole process has been long, drawn out and extremely stressful. Avoid at all costs!!!!! Reviewed on: 3rd October 2016

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