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Losing a mortage exception

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  • Registered Users, Registered Users 2 Posts: 23,571 ✭✭✭✭Frisbee


    Just gone through the process with BOI.

    We were AIP with an exception. However they were very very clear with us that until we had a specific property this was only In Principle. There was a chance once we had a specific address everything would be fine but our advisor stressed with us several times there would be a good chance we would need to be re-assessed.

    When we finally got the house we wanted we had to go through the whole process again and lost our LTV exemption due to CB overextending. Took about three weeks of sending loads of docs over to them and hounding them but in the end we were re-approved for the exemption.

    It was a pain int he arse but our mortgage advisor went out of her way with us throughout the process that there would be a strong chance once we had a specific address it could be a total fresh application & trip to the underwriters.


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