I have already done one for you but anyway, the big problem that the mortgage was searched with the wrong value on the house. I told the adviser a number if times that I had no idea of the value, but to improvements we had made to the house, that we purchased it before the crash etc. I asked a few times should we get it valued but he did some searches and gave us a price. so the mortgage was applied for on these figures, then came back that the house was over valued, if at this point we have cancelled we would have lost the fees we have already paid. so we have ended up with a deal that its not what we really wanted. and due to these complications it was me that had to chase up with the lender to get something sorted, the whole process took nearly 5 months and was pretty stressful.