Anyone want to join me? Awaiting Mortgage decision...
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Aip 23rd oct.
Told via email mortgage was all agreed 13th Nov
Paid valuation 13th Nov
Then strangely went to underwriter 18th Nov
Still awaiting decision ☹0 -
Hi Any one applied for santander and waiting for decision?
i Have applied on 22nd november (Full Application through broker)
Valuation finished on 24th November
provided additional documents today on request 27th November
when would I likely to hear from them?0 -
Hello all,
A quick recap of my previous post:
"I'm a first time buyer, and have reserved a 4 bed 3 floor semi detached Persimmon new build. Persimmon seem to be a bit pushy, aiming for exchange of contracts within 35 days of Authority to Proceed from Help to Buy, leaving me really anxious that the property will fall through if the mortgage doesn't come through in time.
Property price £185,995, using Help to Buy Wales equity loan scheme (20% loan + my 5% deposit). Applied for 75% LTV mortgage with Nationwide, through a broker (working in the medical field leaves me with a string of temporary contracts, so I wanted a specialist medical financial adviser on my side).
Relatively simple case: FTB, mortgage multiplier x3.2, new build with Help to Buy, Experian score 992. Hoping everything will progress well."
30/10 - Plot reserved
09/11 - Help to Buy application sent
10/11 - DIP approved, Full application submitted, Payslip requested and sent, Valuation fee taken, Text received acknowledging receipt of application
16/11 - Solicitor instructed, Text received informing valuation booked for 19/11
17/11 - Help to Buy Authority to Proceed received
19/11 - Valuation completed, Nationwide ask for scan of payslip because initial copy submitted using phone scanner app (you can barely tell, but it's their money at the end of the day)
20/11 - Text received informing valuation approved, formal scan of payslip sent
27/11 - Payslip reviewed, Text received saying formal mortgage offer issued via post, PDF of offer obtained through broker
17 days (13 working days) between application and offer, and it would probably have been a week shorter than that if we had sent the payslip in the right format to begin with!
Really pleased, hope all goes well for everyone still waiting0 -
Hi sky view.
We applied for Santander on 17th August and got offer on 3rd Septmber. There was a bank holiday in between as well
We completed on 2nd November so have been in a couple of weeks now so onwards and upwards
Good luck
V
XSEALED POT CHALLENGE 6 - MEMBER NUMBER 086 Special Star from Sue :staradmin :T:T0 -
Hi Nessa56,
Thanks for your reply,
I need to have my offer before 16th December as my reservation with new house builder expires.
Hopefully will hear something next week as per the broker....0 -
Hi Nessa56,
Thanks for your reply,
I need to have my offer before 16th December as my reservation with new house builder expires.
Hopefully will hear something next week as per the broker....
I am sure there is time for you just don't delay with any details/paperwork they ask for and hopefully you will be fine
Good luck and do let us know won't you
V
XSEALED POT CHALLENGE 6 - MEMBER NUMBER 086 Special Star from Sue :staradmin :T:T0 -
17/11 Full application submitted to Halifax
18/11 Application approved subject to valuation
23/11 Valuation booked for 26/11
27/11 Mortgage broker confirmed offer has been made
Woo hoo...... over to the waiting to exchange thread now0 -
Hi All,
Can I join please?
We are FTB and we have applied for a mortgage online with Nationwide.
21st November - DIP approved.
24th November - Mortgage applied for. Last month's bank statement and payslip requested for me and OH. Valuation requested and a Text received to say they had the application.
25th November - Documentation sent in.
27th November - Bank Statements were marked as satisfactory. Text to say valuation report had been received. Building Insurance Rebuild/Reinstatement value is given.
1st December - Email from case advisor introducing herself. Payslips marked as satisfactory.
Hope we get our offer soon!I will win a big prize one day!0 -
Hi All,
Can I join please?
We are FTB and we have applied for a mortgage online with Nationwide.
21st November - DIP approved.
24th November - Mortgage applied for. Last month's bank statement and payslip requested for me and OH. Valuation requested and a Text received to say they had the application.
25th November - Documentation sent in.
27th November - Bank Statements were marked as satisfactory. Text to say valuation report had been received. Building Insurance Rebuild/Reinstatement value is given.
1st December - Email from case advisor introducing herself. Payslips marked as satisfactory.
Hope we get our offer soon!
I applied on the same day as you for FTB mortgage with the nationwide. At the exact same stage as well, I take it you are in Scotland with the valuation being accepted so quickly? Would be good to let us know if you hear anything more!0 -
Hi Any one applied for santander and waiting for decision?
i Have applied on 22nd november (Full Application through broker)
Valuation finished on 24th November
provided additional documents today on request 27th November
when would I likely to hear from them?I am sure there is time for you just don't delay with any details/paperwork they ask for and hopefully you will be fine
Good luck and do let us know won't you
V
X
Received formal mortgage offer from santnader 02-12-2015.
Thanks everyone and Nessa56.0
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