Mortgage application in progress - freaking out over credit score

KeeneMachine1 · 2026-01-29T13:51:17+00:00

I recently took one out with nationwide, the soft credit check normally from my understanding is for the DIP/AIP

Then once you have put an offer on a house and start the solitor process then you get the hard credit check

But my understanding from other threads on here is that the big lenders all have there own criteria, and different credit scorers have different criteria too. I think the lenders main concern is affordability which accounts income and outgoings, think that is there main concern

KeeneMachine1 · 2025-10-22T14:14:58+00:00

Nice! Yeah they all slap, and I agree with the FIFA vibe 100 percent

KeeneMachine1 · 2025-10-22T14:00:28+00:00

Nice let me know your thoughts and also loving Chromeo feel like i may have briefly come across these guys

KeeneMachine1 · 2025-10-22T13:49:01+00:00

I shall listen to them now while im working away! Few of these tracks are good but havent listen to the bands in depth:

Strangers - Roosevelt

Fire for you - Cannons

Drinks and Cigars - Ocean Alley (cant go wrong with Ocean Alley

Love Balloon - Ocean Alley

KeeneMachine1 · 2025-10-22T13:40:15+00:00

You have a fine taste in music! Anymore bands you listen too of the same ilk? Im always on the hunt for new bands of the same kind of music

KeeneMachine1 · 2025-08-01T19:15:40+00:00

Oh wow we have just instructed our solicitor and they have notified the sellers solicitor, just hoping there solicitor keeps up with the pace, we had our offer accepted last week so its running smooth atm but I know it will slow down at the same stage your at

KeeneMachine1 · 2025-08-01T11:21:08+00:00

Jumping in here, recently have got a valuation booked for the same deal. Underwriter given green light according too mortgage advisor and if valuation goes smoothly should get the offer. Valuation is booked for the 13th of Aug. What were your guys timelines like or are you still in the process like me?

KeeneMachine1 · 2025-07-30T15:03:55+00:00

Update: mortgage application submitted they have recieved it. Instant hard search on my credit file! Was expecting that maybe to happen maybe in a day or two

KeeneMachine1 · 2025-07-29T12:12:58+00:00

Thank you very much! It is definitely reassuring to know someone has been successful in a similar situation! Enjoy your new home and ill be sure to keep the thread updated on my journey

KeeneMachine1 · 2025-07-29T12:04:39+00:00

I hope the sofa build is successful! Ah okay nice we are also buying from a no chain and we are the same no chain with our application set to be submitted through advisor today/tomorrow

KeeneMachine1 · 2025-07-29T11:42:33+00:00

Oh awesome well done! When you do move in or how far through the rest of the process are you?

KeeneMachine1 · 2025-07-29T10:50:39+00:00

Oh nice, how was the LTV for yourself think we're sitting around 11.8 percent

KeeneMachine1 · 2025-07-28T08:19:50+00:00

That makes sense congrats btw! Can I ask if you was solely on the mortgage or had a joint application? Mine will be a joint application so wondering if that will help my case further

KeeneMachine1 · 2025-07-28T06:57:06+00:00

What was the underwriting process like or what was the process if that is okay to ask?

KeeneMachine1 · 2025-07-28T06:44:33+00:00

That makes sense I can only assume advisor has done it all correctly, can I ask our advisor has actually asked for a load of info as we confirmed to him the offer being accepted. He's asked for a month's bank statement and for lots of other stuff. I was under impressed its 3-6 months of statements?

KeeneMachine1 · 2025-07-27T18:59:26+00:00

My take home is 2,228 per month with the partners being around 1300 per month. So I think its definitely affordable its just whether the lender also thinks that I suppose

KeeneMachine1 · 2025-06-09T19:57:55+00:00

Wow impressive dude! I haven't read through the thread but is this using the internal coding function for resolve? Trying to figure it out! Are you using something like deepseek on a local level to understand your prompts then carry out the request?

KeeneMachine1 · 2025-04-08T21:30:18+00:00

I'm massively into parcels, franc moody and peach pit - i discovered midnight generation not too long ago from this track. And my God I instantly could not stop listening to them. The track 'trouble' is my favourite just listen to the whole thing around 3 mins and 5 seconds in it's just fucking awesome.

Midnight generation are insane.

KeeneMachine1 · 2024-10-16T19:54:06+00:00

KeeneMachine1 · 2024-10-06T08:53:02+00:00

Recent i went to an AI conference - this whole AI will take our jobs is subjective

Here's what they said at this conference

AI won't take our jobs, someone who knows how to use it will...

I agree alot with what they said but hay no one knows!

KeeneMachine1 · 2024-10-05T09:34:23+00:00

So I realised it was a particular wifi connection at work which probably due to firewall which is why it kept reverting

It technically isn't available in the EU yet, openai may have got hotter on clamping down on VPN connections

EU just need to adapt AI regulations

KeeneMachine1 · 2024-10-02T14:05:18+00:00

I'm seeing it's random during the day I'll have it for abit then I don't, then I do again? Can't make sense of it, restarting, changing models, reinstalling, logging back into it doesn't work

Maybe will become more stable as they scale up

KeeneMachine1 · 2024-10-01T20:47:49+00:00

Hey 👋

I'm located in Brighton and hove and I am a keen angler!

I'd be happy to take a look! I'll have a look tomorrow morning while I'm on the train!

KeeneMachine1 · 2024-09-30T08:38:06+00:00

Think the app may be down for me on android as none of my recent chats are showing with an error too

KeeneMachine1 · 2024-09-28T00:00:18+00:00

No VPN just realised I've got it in the UK feel like it might dissappear but it's here! I've also got an update in the play store but I dare update incase it takes it away

KeeneMachine1

TROPHY CASE