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25 Apr 2009 12:00 AM:

Wondered if anyone else has been in this situation?  Sure they have.

Almost due to complete on purchase of apartment in Mallorca.  For past year bank (Santander) assured me best way was to find property at good price with higher valuation to secure funds I needed.  In bank 2 weeks ago, and over phone call to Madrid again assured of 60% of valuation price.  Now, at last minute told only 60% of purchase price.  one 70,000. one 140,000 so big difference. Took the risk and as family connection, have already refurbed and paid out on apartment, so don't want to lose out on this but massive shortfall now.  Lots of websites still say put valuation price to lender to get maximum funds, but are banks not doing LTV anymore.  Is it just purchase.  Anyone got round this a different way?  Very frustrating, as income no problem to cover this mortgage (as bank agree).

Jane 



Thread: mortgage let down

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