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Have to say that I tend to find Santander are either really good or really poor with not much in between
Poor - last year - doing a rate change due to lower rate being available on a BTL purchase and then being told the loan amount would have to drop as reassessed and no longer affordable under new calcs (most other lenders go thanks here's the new offer at the lower rate) or could have original amount at higher rate
Good - this week - submitted a remo with capital raise to buy out HTB on Tuesday at 3.30pm. Added all docs straight away. Case reviewed, agreed by underwriter, desktop val'd and offered by 1pm Wednesday. Now recovering from back injury after falling off chair!
Other saving grace my BDM Jenny is pretty good at sorting stuff out and very helpful on criteria and awkward case stuff
