我也是找了advisor， local的，并不是中介提供的

他收费250

他search的trustguard， 然后给了一个他认为最适合我的产品，是leeds building society

我之所以没办法从银行直接贷款好像是因为我的credit 太差，由于我过去三年太经常搬家，

所以最后他需要我提供的材料有 pay slip, P60, employment confirmation, NI no., 2个地址证明，身份证明，还要了我现在租房中介的联系方式，过去三年的地址证明（费了我很大的劲找出了过去三年的银行帐单）

我想请问大家，我提供的资料够详细么？还有需要提供的么？

因为是新房子，到现在都没有去做survey， advisor说是要等了leeds那边确定会给offer之后再去做，这样合理么？

另外我收到advisor寄过来的leeds direct debit的form， 需要我签名寄会去， 我想问offer都还没下来就需要提供DD资料给leeds了么？

最后想请问大家，所有材料递交上去之后，leeds审查材料需要大概多久的工作时间才能正式批下offer， 我的advisor说3个星期，我想请问需要这么长时间来审核材料么？

非常感谢大家的帮助

> 我想请问大家，我提供的资料够详细么？还有需要提供的么？

Trust your mortgage advisor. You pay him money and he does the work for you.

> 因为是新房子，到现在都没有去做survey， advisor说是要等了leeds那边确定会给offer之后再去做，这样合理么？

The building society has to do some credit checking against your credit file and decide if it is possible to offer mortgage to you. The survey will be done after a positive decision.

> 另外我收到advisor寄过来的leeds direct debit的form， 需要我签名寄会去， 我想问offer都还没下来就需要提供DD资料给leeds了么？

It is fairly normal as part of the application form. Again trust your advisor.

> 最后想请问大家，所有材料递交上去之后，leeds审查材料需要大概多久的工作时间才能正式批下offer， 我的advisor说3个星期，我想请问需要这么长时间来审核材料么？

Be prepared to wait more than 3 weeks as things become very tricky in all departments of a mortgage application and lenders are tightening their criteria increasingly.

Good luck!

非常感谢cwang的回复， 我下个星期开始做survey， 还有一个问题就是 lender是在survey之前审核材料还是suevey之后？

谢谢

They will check your application and run credit scoring against your credit file upon receiving your application. Then they decide if they would be able to lend money. Survey will be done after a positive decision has been made by the lender. Mortgage offer will come after a positive survey report has been issued to the lender by a surveyor conducting the survey.

At current stage, be prepared to provide further documents if requested; sleep well and you will get good news from your advisor very soon!

Hope that helps.