Anyone want to join me? Awaiting Mortgage decision...

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  • beko1994
    beko1994 Posts: 7 Forumite
    edited 15 July 2017 at 10:29AM
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    Our timeline

    24/6 Reserved New build
    26/6 DIP with halifax
    30/6 Full application to Halifax
    5/7 Told by broker Offer subject to valuation
    5/7 Valuation booked in for 13/7
    13/7 Valuation taken place
    13/7 called Halifax and was told Valuation had come back and full mortgage offer had been issued :j:j
    So all in total 9 Working days from full application to offer.

    15/7 Offer Received in the post
  • elonii
    elonii Posts: 62 Forumite
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    beko1994 wrote: »

    15/7 Offer Received in the post

    Congratulations, we got our offer in the post this morning too!
  • beko1994
    beko1994 Posts: 7 Forumite
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    elonii wrote: »
    Congratulations, we got our offer in the post this morning too!
    Congratulations!:T:beer:
  • nikkih72
    nikkih72 Posts: 64 Forumite
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    back again.
    14/7 DIP Natwest
    14/7 Deposit put down new build
    16/7 appointment booked for broker 4pm
  • Jkbc90
    Jkbc90 Posts: 85 Forumite
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    Congrats Elonii and beko! Best of luck with your new homes x

    We will find out tomorrow if the seller will meet us half way with the £4K shortfall from the offer. Fingers crossed.
  • elonii
    elonii Posts: 62 Forumite
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    Thanks guys, I'm so relieved and happy today. We have been in rented accommodation with most of our belongings in storage for 2.5 years after an international move. It's going to be like Christmas!!
  • EmmaJayne
    EmmaJayne Posts: 10 Forumite
    Photogenic First Post First Anniversary Combo Breaker
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    We've had a little update today. So excited and nervous! *fingers crossed for the valuation*

    Halifax DIP: 10/07/17
    Offer accepted: 11/07/17
    Meeting with Mortgage Broker and all documents provided: 12/07/17
    House taken off market: 13/07/17
    Valuation money to Halifax: 13/07/17
    'First Mortgage' credit search appeared on Experian: 13/07/17
    Broker confirmed Halifax are OK with our documentation and the survey is being arranged: 17/07/2017
    2012: outdoor cinema tix, Lavazza coffee machine, real Christmas tree, DVDs, festival tix
    2013: 5* London Hotel stay (woo!), crisps, Wedding Fayre tix, designed lucky horseshoe, Paris map
    2021: book
    2022: 4 x Commonwealth Game tickets
  • EmmaJayne
    EmmaJayne Posts: 10 Forumite
    Photogenic First Post First Anniversary Combo Breaker
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    elonii wrote: »
    Thanks guys, I'm so relieved and happy today. We have been in rented accommodation with most of our belongings in storage for 2.5 years after an international move. It's going to be like Christmas!!

    That's fab! Well done!
    2012: outdoor cinema tix, Lavazza coffee machine, real Christmas tree, DVDs, festival tix
    2013: 5* London Hotel stay (woo!), crisps, Wedding Fayre tix, designed lucky horseshoe, Paris map
    2021: book
    2022: 4 x Commonwealth Game tickets
  • Jkbc90
    Jkbc90 Posts: 85 Forumite
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    Fab Elonii, I'm sure you are so excited to move everything into your own home x

    Another step in the right direction for us, seller very kindly agreed to meet us halfway with the mortgage shortfall, so happy. Updated gift deposit form sent in and now just some things behind the scenes need to be done before they release the official updated offer, fingers crossed :)
  • KrisLGW
    KrisLGW Posts: 4 Newbie
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    KrisLGW wrote: »
    July 6th - Valuation of Property
    July 7th - Official offer from Halifax :T:T:T:T

    July 24th - Due to exchange contracts :T:beer::j

    Also, on a side note since applying for a mortgage my credit score has shot up by over 400 points :O I was shocked to get a mortgage offer with a score of just over 400 so now I feel more comfortable around the 800 mark :)
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