Rates up again

[kaiowas]

Our problem is that we've not actually had the mortgage offer yet. We got an agreement in principle, then we found the house. After that we chose exactly how much we wanted to borrow, how long wanted to be fixed for, got quoted a rate based on that and signed some forms. At this point the mortgage advisor was presumably supposed to make the actual application. As it was nothing happened on the mortgage front for a good few weeks (the money for the survey wasn't even taken out of my account) then our solicitors started asking where our mortgage offer was so we chased it up. We were told that "It usually takes this long things should happen soon" then coincidently everything started moving again the next day.

Obviously our suspicion is that the mortgage advisor was being incompetent and had not actually made the application. Being put back a few weeks by this isn't such a big problem but with us not having actually received an offer yet i'm worried that her crapness will mean that we end up with a higher rate.