Ah I see. Then my guess is that you’ve been a little unlucky… From what you’ve written I think you’ve had a very strong application.
It sounds a little unusual that the advisor should put a note on your app before double checking with you. Have you asked her if she’d be able to remove the note when you obtain a proof of the source of funds?
Lots of people suggested to use a broker and I also think it’ll be a good idea. It saves your time and energy. In addition they probably know the lenders’ approaches much better. Lots of them take their commission from the lenders rather than the borrowers. Even the whole market brokers’ fees are usually very reasonable.
You’re very welcome - I haven’t helped much anyway since you knew about the influence of the remortgage already.
Good luck 