Six weeks ago I applied for a mortgage with santander of 85,000 which was accepted. Valuation was done and all the works in the property requested by santander were fufilled by the owner. We are just about to complete and santander decided to reduce the value of the offer to 80,000. My mortgage adviser was informed by e-mail about this we have no confirmation of this change and nor has my solicitor. Mortgage adviser said santander re-checked my credit and decided to reduce the offer. The thing is there has been absolutely no change in my credit, apart from a 100 pound pay rise. Can they legally do this? I contacted FOS and they don't understand why santander has changed the offer when there hasn't been any changes of circumstances for me or my husband. Anyone could help us????? Thank you.