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I know you are trying your best AJS but a very big 'bug bear' is PT's with further advances or term changes. With Santander, as I am sure you know, we can't do these!
This effectively means that we either lose the business, which technically would be Ok if your rates were better but quite often they are not and a better deal or similar could be had elsewhere! Santander's intransigence for years with the old statement 'we are looking to change this' means your run off must be far higher than other lenders who offer a service and lets face it, more so to the client than us!
Until this rather stupid and lazy attitude is resolved you must be losing a multitude of business retentions which must far outweigh underwriters turning down a case or 2!
