I am just been granted loan approval for 110,000 .I have remortgaged my main residence.My research led me to N.I.B. and Halifax.I opted for N.I.B.The amount of red tape one has to go through is unbelievable.P60's,pay cheques,bank statements,household bills.Our combined salary is 93,0000 + euro,we have no mortgage on our main residence,no car loans. I am convinced the only reason they demand all this evidence is for them to gather enough info on you so that they can flog you life insurance and every other insurance under the sun.Remember the commission on these policies is huge.They even want you to open current accounts with them.
My advice would be to shop around try N.I.B.,Halifax.Remember the number of mortgage applications should have declined sharply recently with all the debate about stamp duty,they should be delighted to offer you a loan .They need your business as much as you need their loan.The 6 month rule could be overcome [?] by showing them you can pay first 6 months of mortgage in advance.Ask them whats the best they can offer you and tell them you are trying all the other institutions.