I intially supplied details and was told that I would have no issue's getting a mortgage (My experian score was 970 and my partners was 990, also well within borrowing limits / Salary). First application was then declined, hitting our credit score. They then advised going to TSB and a second refusal was the come back. We were then asked to provide up to date experian reports, despite the original's on;ly being 12 weeks old, costing us £30. We were promised these would be looked into and they'd get back to us as Raj, the L and C Rep couldn't see why we had been refused based on our experian scores. He then failed to get back to us or return our calls. As a result we went directly to Natwest who we've just completed with, on a comparable deal to the one's L and C where looking at. All in all L and C cost us money and had a negative affect on our credit score for nothing! Go direct, lesson learnt.