Are mortgages that are agreed in princiable worth the paper they are writing on or are they a waste of time and if they are worth it do they do checks on you before they will give you anything?

Thanks for the info huckster I have cleared my overdraft and only have my unsecured loan to my name and never missed a payment and plus otherhalf has a excellent credit rating. so what you are saying is an A.I.P is not a binding as such? then why do they have them?

Just been giving our mortgage A.I.P from abbey (agreed in princable) do any people on these forms know if they do credit checks first to see if you are capable of paying the mortgage in the first place, just wanting to know if this is guaranteed and so don't have egg on ma face if I bid for a house at the agreed mortgage.

when you go for a new mortgage do they take into account if you go into your overdraft or not? and also if you change your accounts to another address before you apply for a new mortgage with your current address does the other accounts show up from the new address that you have changed too aswell. I know you should not really do this but my ...

thanks for your advice huckster yeah prob will see an advisor just wanting advice to see if we will get another mortgage cheers

thanks for the advice not really the advice I was wanting to hear. do you know if I payed my overdraft off would that help as I have not missed a payment on my loan?

hi try and keep it short here, just sold our first house house that we had for four years and will have a 20000 deposit to put down on next but heres the story,My girlfriend has an excellent credit rating but I have not, I have a 4000 overdraft and up to max and and 4000 grand left to pay on a 8000 loan but I am starting to think that we might not ...

Just been giving a mortage in principle not signed anything yet, does this mean we have had checks and been giving after the checks have been done? just sold house not signed missives yet and seen another but can't put offer in for other house until this yet but mortage adviser has said that there is a mortage in princable there for us making ...

cheers sparky just that girlfriend does not know about it. i know i should tell her.. thanks tho..

me and my girlfriend have just recently sold our first house which we had for four years and lookin for another, we have a mortage with halifax and that will come to an end so was wondering if any finanical people can help us here. we are hoping we could go for a house about 150000 mark with 20000 deposit so that would take us down to 130000 BUT I ...