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

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Comments

  • kpart123
    kpart123 Posts: 2 Newbie
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    I'll join. My partners wants me to stop going on about it but it's wizzing round my head all day. Valuation booked we have not been asked for any other documents.. is that good?
  • bubblerawk
    bubblerawk Posts: 21 Forumite
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    I think it depends on your mortgage company. Santander instruct valuation straight away. We should be getting our offer next week from santander and haven't been ask for any extra paperwork so far
    :T
  • shilton87
    shilton87 Posts: 3 Newbie
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    Timeline so far..

    21st Aug - Plot released (new build)
    23rd Aug - DIP Halifax (via broker, L&C)
    26th Aug – Plot reserved, fee paid
    *insert inconvenient Bank Holiday* :tongue:
    29th Aug – Instructed conveyancer
    30th Aug – HTB application completed and sent back to broker
    31st Aug – Mortgage application submitted to Leeds Building Society (broker found a better mortgage deal with LBS than with Halifax)
    1st Sept - Credit search appeared on credit report from lender
    1st Sept - Additional documents requested by lender
    2nd Sept - Additional documents posted to broker
    6th Sept - Received approval for HTB equity loan and given ATP
    7th Sept - Confirmation that lender has received all documents required
    *waits semi-patiently* :undecided

    I'm guessing the next step is waiting to hear about a valuation (if the lender is happy to proceed)?
    Any one else waiting on a decision from Leeds Building Society, or know roughly how long I should be expecting to wait?
  • CAMJO
    CAMJO Posts: 17 Forumite
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    Our timeline

    DIP Mid July - general
    12/08 Offer made
    14/08 Offer accepted
    14/08 Instructed solicitor
    14/08 DIP Precise Mortgages
    17/08 Precise Mortgage app completed
    31/08 Declined by Precise Mortgages
    01/09 DIP Vida Homeloans
    04/09 App Vida Homeloans
    04/09 Change solicitor to one on approved panel for Vida Homeloans
    05/09 P60 emailed
    05/09 Valuation fee taken
    08/09 August payslip and memorandum of sale passed to broker
    08/09 Precise valuation and survey refunded
    08/09 Original conveyancer refund
  • Time2go
    Time2go Posts: 198 Forumite
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    Can I ask why you got turned down by precise was it after dip. Our application will hopefully go in on Monday and I'm scared it's all a dream.
  • CAMJO
    CAMJO Posts: 17 Forumite
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    Precise do a soft check at DIP stage with Experian, then full check with Equifax.
    Partners previous mortgage arrears recorded differently on Equifax as AP whereas Experian listed as U (unclassified) and then altered. We queried with Experian and they were asked to reclassify.
    Good luck to you x
  • tt07
    tt07 Posts: 98 Forumite
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    We are waiting a Mortgage Decision and part way through the process
    04/08/17 - AIP Done
    06/08/17 - Plot Reserved
    11/08/17 - Chat with advisor
    17/08/17 - Got Application Form
    21/08/17- Application Received and Scanned
    23/08/17 - Passed 1st checks and passed to underwriter
    25/08/17 - Surveyor booked for 4/9
    04/09/17 - Surveyor Been
    05/09/17 - BS received Survey
    09/09/17 - Copy of Survey in post
  • tt07
    tt07 Posts: 98 Forumite
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    shilton87 wrote: »
    Timeline so far..

    I'm guessing the next step is waiting to hear about a valuation (if the lender is happy to proceed)?
    Any one else waiting on a decision from Leeds Building Society, or know roughly how long I should be expecting to wait?

    For us it wasn't so much the time for LBS to instruct a surveyor just the availability of the surveyor! Every casei is different

    Good luck.
  • mrnmrsFTB
    mrnmrsFTB Posts: 5 Forumite
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    Hi all,

    We are buying a first house now, just waiting for mortgage application to go through. 90% LTV with Halifax. Just worrried something is going to go wrong. This is our dream house, only think that might be frowned upon by lender is we bought a car 2 months ago outright.

    Timeline so far

    05/09 - chat with broker
    05/09 - AIP with Halifax (90% LTV)
    07/09 - Additional documents sent to broker
    09/09 - Reserved new build
    11/09 - Full application submitted
  • Time2go
    Time2go Posts: 198 Forumite
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    Didn't thought Halifax did more than 85% on newbuild unless you are using help to buyers
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