Just spoken to my co – director Darren Allett who advises me that more and more administrative hurdles are being introduced by banks and other lending sources. Quite literally unless every ‘T’ and ‘I’ is crossed no mortgage offers are forthcoming.

The latest case involved the absence of a middle name on a bank statement which means our buyer has to revisit the bank and go through the procedure of having all her records amended to incorporate her middle name. Her bank will then release her mortgage offer. It just seems that no common sense is applied at the appropriate time.

Ed Mackenzie Smith