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

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  • Frarubvio
    Frarubvio Posts: 33 Forumite
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    Thanks i know i should, think im scared to hear bad news plus he said hed let me know. Surely they know by now though. Esp since valuation has already been done (im in scotland). Think ill contact him mid afternoon if i havnt heard from him by then
  • Firsttimebuyers
    Firsttimebuyers Posts: 161 Forumite
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    Frarubvio wrote: »
    Thanks i know i should, think im scared to hear bad news plus he said hed let me know. Surely they know by now though. Esp since valuation has already been done (im in scotland). Think ill contact him mid afternoon if i havnt heard from him by then


    We're the same - I'm dreading the phone call to say it's a no! Eek
  • Frarubvio
    Frarubvio Posts: 33 Forumite
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    Ours didnt have any fees at all which is obv good but also makes it hard knowing what stage we are at ! Goodluck!:o
  • Firsttimebuyers
    Firsttimebuyers Posts: 161 Forumite
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    Good luck to you too!
  • stu2500
    stu2500 Posts: 183 Forumite
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    stu2500 wrote: »
    Well I'm glad to say we have received our formal mortgage offer, following on from our survey last Thursday. Natwest and our Broker have been very good up to now. All we need is for the sellers to find their property and we're ready to go, the waiting game continues.

    I thought I'd provide an update and, thankfully we got the keys to our new house and have moved in over the weekend. Absolutely delighted, and thanks for the help received on here. A daunting experience that was made very easy by our broker, the information on here and Natwest.
  • Firsttimebuyers
    Firsttimebuyers Posts: 161 Forumite
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    Great to here Stu - a lot of seem to be with Natwest on here


    7/11 Spot a property reduced that afternoon on Rightmove which was previously out of our price range
    7/11 View the house
    8/11 Offer Accepted for £135k
    9/11 New DIP for £135k with Natwest goes through
    10/11 Broker is putting in the full application today
    10/11 Application in
    10/11 Valuation Fee taken from Natwest
    13/11 Valuation and Homebuyers Survey Completed
    13/11 Natwest have lowered the maximum loan they'll give us by £20k - Overtime added to Application
    14/11 Valuation back, matches our offer so that's a relief
  • JaneyLouWho
    JaneyLouWho Posts: 155 Forumite
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    I have the best update to give! Mortgage approved subject to valuation!

    AIP 8/11/17
    Full application afternoon 13/11/17
    Fees (valuation and product fee) taken early morning 14/11/17
    Offer subject to valuation recieved mid afternoon 14/11/17

    After 6 weeks, a rejection from Nationwide, and ever increasing negative thinking I feel like a huge weight has been lifted!
  • dixxie10
    dixxie10 Posts: 9 Forumite
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    Newbie here !!
    Full application gone in today so fingers are tightly crossed we have sent every single piece of paperwork we own so i dread someone wanting to know who we are at the minute haha !

    Good luck everyone xxzzx
  • Frarubvio
    Frarubvio Posts: 33 Forumite
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    Thats great janey congrats
  • Frarubvio
    Frarubvio Posts: 33 Forumite
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    Goodluck dixxie
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