Mortgage and incentives

[steveball]

Buying a new house from a major builder, it's a stock property which includes flooring throughout a fridge freezer plus a dishwasher - which they value at £3000

3 weeks after signing up they have decided these are now an incentive, we got £1000 towards fees as an incentive to start with. Our mortgage company said as we got the £1000 the house was worth £1000 less therefore the mortgage value was this amount less.

We already have a mortgage in principal etc - does the £3000 work as same as the cash value of £1000 above? As we didn't chose any of the items, and as far as we are concerned they are used, due to previous prospective buyers touching them etc, yes this may seem petty but it's part of my argument. They are not mentioned on any paperwork as incentives, however only the kitchen appliances are listed as included.

We don't want to have to find the extra £3000 in 2 weeks for our extended deposit, but are happy to listen to anyone's advice - even if it doesn't go our way. Oh they wont rip the extras out before anyone asks.

[steveball]

Thanks Sarnie, Do mortgage companies usually take this off the value or is it pot luck?

[steveball]

Thanks for all the replies - it looks like I have an argument on my hands

[steveball]

They haven't been out yet - would this change things?

People on the same estate have paid between £210,000 and £220,000, ours is £199,995 as it's the last one.