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£ 191000 mortgage, £ 38000 deposit and £ 229000 purchase price is 83.4% loan to value so these rates will not be available

Happy New Year everybody and may all your mortgages be wonderful

The last mortgage application you made was 7 years ago ?

This but it is up to the individual so as I said it is about choices

That clears it up a mortgage calculator takes 10 minutes it is just a very loose guide though

Quite there is no way a full mortgage meeting and agreement can be done in 15 minutes. If it does it is not being done correctly

Most brokers charge £ 500 or thereabouts

Let me know how long the interview lasts. Good luck with everything. It is all about choices

Anyone who has not gone through the process of trying to get a mortgage post 2014 is in for a very steep learning curve

I mean't to say 2014

A bank interview will take 2-3 hours now to even establish if you can get a mortgage, that is just the start of the process, there are often 2-3 week delays to speak to one as well, so if you want to compare 4 banks for example yourself, take a day off, maybe 2

Have you tried to get a mortgage after 4/15 ? I would say there is about 5 hours upfront work on each mortgage now, at least

Pm'd back, thanks chaps. The market is very good but a lot of documents and things required now post MMR. PM me if you need a personal quote, thanks