I found applying for a mortgage quite tricky (or at least trickier than I'd recently heard it was). Mine was 70% LTV and they queried absolutely every large transaction that had taken place in my accounts, including transactions between my accounts and ISA amalgamations. It literally took months of scanning documents and taking documents into Nationwide for them to witness and scan themselves.
I found applying for a mortgage quite tricky (or at least trickier than I'd recently heard it was). Mine was 70% LTV and they queried absolutely every large transaction that had taken place in my accounts, including transactions between my accounts and ISA amalgamations. It literally took months of scanning documents and taking documents into Nationwide for them to witness and scan themselves.