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

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  • shaun_1987
    shaun_1987 Posts: 31 Forumite
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    my remorgage application with Nationwide

    27.07.2015 – DIP with Nationwide approved
    27.07.2015 – Full application submitted to Nationwide

    How long can the application take?
  • shaun_1987
    shaun_1987 Posts: 31 Forumite
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    27.07.2015 – DIP with Nationwide approved
    27.07.2015 – Full application submitted to Nationwide
    30.7.2015 - Valuation Booked for 07.08.2015

    Is this a good sign?
  • littlemissbossy
    littlemissbossy Posts: 765 Forumite
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    shaun_1987 wrote: »
    27.07.2015 – DIP with Nationwide approved
    27.07.2015 – Full application submitted to Nationwide
    30.7.2015 - Valuation Booked for 07.08.2015

    Is this a good sign?

    Hi Shaun

    This is my experience with Nationwide

    22.06.15 Mortgage appt at branch, Decision in principle.
    01.07.15 Valuation/Survey
    03.07.15 12.02pm Text to say valuation received from surveyor
    03.07.15 12.03pm Text to say formal mortgage offer issued
    08.07.15 Mortgage offer received in post.
    Don't wait for your ship to come in, swim out to it.
  • ShawUK
    ShawUK Posts: 47 Forumite
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    littlemissbossy wrote: »
    Hi Shaun

    This is my experience with Nationwide

    22.06.15 Mortgage appt at branch, Decision in principle.
    01.07.15 Valuation/Survey
    03.07.15 12.02pm Text to say valuation received from surveyor
    03.07.15 12.03pm Text to say formal mortgage offer issued
    08.07.15 Mortgage offer received in post.

    Thanks for that, been waiting for a text to say valuation was done, but was only yesterday.
    Hopefully I'll get a text from Nationwide tomorrow....
  • socmwils23
    socmwils23 Posts: 186 Forumite
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    We sent our full Natwest application to the broker today. After 148k and they have provisionally said they will go to 170k so the broker does not foresee any problems. Doesn't stop you worrying though does it. The ltv is actually under 50% as well. We go on holiday in two weeks as well which is adding to the stress so we have given every bit of paperwork we can think of and more besides in case they ask for anything else.
  • Derboy
    Derboy Posts: 168 Forumite
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    Our mortgage offer arrived in the post today!

    Full application was submitted on the 14th of July and during that time they kept coming back and asking for various bits of info. Letters completely contradicted what we had been told on the phone most of the time.

    i.e. me - "That's not a loan. It's a lease and I only took it out in March. Do you need me to send you proof of that?"
    them - "No we don't need proof. That's fine."
    Letter next day - "Please supply proof of the car lease"...

    We went through the above scenario about 3 or 4 times on various things.

    So it was a bit frustrating but not too bad a turnaround time at all considering I'm self employed and my wife is currently on maternity leave.

    Best of luck to everyone else still waiting. This thread has helped me not gnaw my fingernails to the quick!
  • psychopathbabble
    psychopathbabble Posts: 5,888 Forumite
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    psychopathbabble wrote: »
    We will be joining you all shortly... got to wait until saturday to sit with the broker to go through everything... i'm nervous already!

    Had our valuation last Thursday. All was fine but the valuer wrote across the application that it was help to buy (no need to have done that apparently) so now the application has to go to the underwriters?! :mad:
    Became Mrs Scotland 16.01.16 :heart:Became homeowners 26.02.16 :heart:Baby girl arrived 27.10.16 :heart:Baby boy arrived 16.09.2018
  • tired999
    tired999 Posts: 30 Forumite
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    We have applied for a mortgage with Nationwide.

    25/7 DIP over phone
    27/7 Full application over phone
    04/8 Valuation/survey

    We called Nationwide yesterday to find out if the valuation was satisfactory to find Countrywide had not submitted it yet. Apparently they are behind with their paperwork!
  • juliat20
    juliat20 Posts: 36 Forumite
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    Hi All,

    I applied via a broker on Monday to Halifax:-

    DIP - 03/08/2015
    Application sent:- 04/08/2015

    Still haven't taken any fees from my account. I've also checked experian and can only see the search they did on Monday for the DIP.

    I hope I'm not waiting to long as I'm buying a new build and they give you 28 days to exchange but I don't want to pay search fees until I know I have the mortgage.

    What are other peoples experience of Halifax.:)
  • libf
    libf Posts: 1,008 Forumite
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    libf wrote: »
    Application should be going in today, so adding my timeline. :)

    17.05.2015 – House officially reserved with Barratt
    26.05.2015 – DIP applied for with Nationwide and referred
    27.05.2015 – DIP with Nationwide approved
    28.05.2015 – Help To Buy ATP Issued
    29.07.2015 – Full application submitted to Nationwide

    Valuation booked for August 12th. So far valuations on the site have been coming in fine (asked the sales guy when I went to see the pile of bricks on Tuesday) so *fingers crossed*.
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