"I have no bad credit, an excellent credit file after never missing a payment (inc. Natwests mortgage and they actually sent me a letter saying I could remortgage WITHOUT CHECKS!!) and no problems whatsoever but Natwest have declined me a mortgage based on how I conducted my current account. What they mean is, I recently closed my current account with a £200 overdraft facility down and they don't like it. The new mortgage would see my pay them £400 less a month and they don't like that either. It's absolutely disgraceful, and they have now left me with a black mark meaning its going to be very difficult to get another strong rate elsewhere. Stay away from them."