Hey guys
Wife and I are currently in the process of meeting with the various institutions to discuss mortgage approval and we are obviously getting different rates from the different banks etc but what surprised me is after meeting with 4 we have ended up with 4 different salary multiplier exemptions when I thought they would all work from the same numbers.
Anyway my question revolves around whether or not anybody has had any experience with haggling with institutions to up their salary exemption based on having proof of other banks offering a higher exemption based off the same salary etc.
Ulster have been the lowest so far which is disappointing as they are offering the most competitive rates currently.
Wife and I are currently in the process of meeting with the various institutions to discuss mortgage approval and we are obviously getting different rates from the different banks etc but what surprised me is after meeting with 4 we have ended up with 4 different salary multiplier exemptions when I thought they would all work from the same numbers.
Anyway my question revolves around whether or not anybody has had any experience with haggling with institutions to up their salary exemption based on having proof of other banks offering a higher exemption based off the same salary etc.
Ulster have been the lowest so far which is disappointing as they are offering the most competitive rates currently.
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