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    • carrot cake
    • By carrot cake 19th Jul 13, 10:04 AM
    • 209 Posts
    • 706 Thanks
    carrot cake
    • #2
    • 19th Jul 13, 10:04 AM
    • #2
    • 19th Jul 13, 10:04 AM
    I will join although I am hoping to have my offer today, fingers crossed! Good luck

    (PS, mine is with the Halifax as well)
    • swanny78
    • By swanny78 19th Jul 13, 10:09 AM
    • 86 Posts
    • 31 Thanks
    swanny78
    • #3
    • 19th Jul 13, 10:09 AM
    • #3
    • 19th Jul 13, 10:09 AM
    I'm in.
    AIP last week for Natwest.


    My full app went in via a broker on Tuesday. Awaiting decision in 7-10 days time. Like you a FTB. I also have a young family (3 kids). Found the perfect family home after years of renting. Nervous doesn't begin to explain. We have everything crossed.
    Last edited by swanny78; 19-07-2013 at 10:11 AM.
  • Moonraker71
    • #4
    • 19th Jul 13, 10:13 AM
    • #4
    • 19th Jul 13, 10:13 AM
    I've been told 'close of business' today for a final offer. Full application 10th June. Don't think I can bear to wait over the weekend... (Natwest).
    • swanny78
    • By swanny78 19th Jul 13, 10:25 AM
    • 86 Posts
    • 31 Thanks
    swanny78
    • #5
    • 19th Jul 13, 10:25 AM
    • #5
    • 19th Jul 13, 10:25 AM
    I've been told 'close of business' today for a final offer. Full application 10th June. Don't think I can bear to wait over the weekend... (Natwest).
    Originally posted by Moonraker71
    Did you call them direct? Whats the best number to get them on?
  • Ruthhelenjohn
    • #6
    • 19th Jul 13, 10:27 AM
    Good luck
    • #6
    • 19th Jul 13, 10:27 AM
    Good luck everybody, lets try and all keep each other positive, it's a nerve racking time for us all!
    We have been renting for years and its getting so expensive, If we get the green light we will be £250 per month better off and with 2 kiddies every penny helps!
    Keep us updated!
    • swanny78
    • By swanny78 19th Jul 13, 10:28 AM
    • 86 Posts
    • 31 Thanks
    swanny78
    • #7
    • 19th Jul 13, 10:28 AM
    • #7
    • 19th Jul 13, 10:28 AM
    Good luck everybody, lets try and all keep each other positive, it's a nerve racking time for us all!
    We have been renting for years and its getting so expensive, If we get the green light we will be £250 per month better off and with 2 kiddies every penny helps!
    Keep us updated!
    Originally posted by Ruthhelenjohn
    indeed , good luck everybody. Hopefully its good news all round.
    • Let Us See
    • By Let Us See 19th Jul 13, 10:55 AM
    • 1,288 Posts
    • 460 Thanks
    Let Us See
    • #8
    • 19th Jul 13, 10:55 AM
    • #8
    • 19th Jul 13, 10:55 AM
    I hope it is only your excitment that causes the confusion. Surely, time frame is a little confusing? Offered end of June (perhaps, you mean AIP agreed?), valuation completed last week, but the application was only submitted this week? Fingers crossed.
    • mkmini81
    • By mkmini81 19th Jul 13, 11:01 AM
    • 55 Posts
    • 11 Thanks
    mkmini81
    • #9
    • 19th Jul 13, 11:01 AM
    • #9
    • 19th Jul 13, 11:01 AM
    same boat.... mine got referred so sat with the underwriters at present.... the waiting is horrible!
  • Ruthhelenjohn
    Mortgage promise obtained in April, found a house, offer accepted June 28th, meeting at Halifax July 1st for application and paid for a property check & valuation. Valuation last Wednesday came up at 10k less than the offered price, application was then put on hold, re offered at the 10k less, offer was accepted on Wednesday, application process started again yesterday.....
    Thanks!
    • swanny78
    • By swanny78 19th Jul 13, 11:08 AM
    • 86 Posts
    • 31 Thanks
    swanny78
    same boat.... mine got referred so sat with the underwriters at present.... the waiting is horrible!
    Originally posted by mkmini81
    That would be my worse nightmare, I can't stand the waiting...I've only be waiting 3 days. How long after full app were you told it was referred.. Good luck!
    • carrot cake
    • By carrot cake 19th Jul 13, 11:29 AM
    • 209 Posts
    • 706 Thanks
    carrot cake
    Our valuation was done on the 8th July and we received our copy of the report 2 days later. Valuation matched the purchase price and we've been waiting for our offer since then.

    Good luck everyone
    • mkmini81
    • By mkmini81 19th Jul 13, 11:33 AM
    • 55 Posts
    • 11 Thanks
    mkmini81
    That would be my worse nightmare, I can't stand the waiting...I've only be waiting 3 days. How long after full app were you told it was referred.. Good luck!
    Originally posted by swanny78
    It was referred at AIP which was expected (long story). Full application was submitted 16/07 and had a call for some further documentation yesterday....
  • CluelessFTB
    I am waiting for my HTB approval then my full application will go in with Halifax. ahhhhh nervous times!

    Good luck everyone
  • Moonraker71
    Just chased up my broker to find out she's ON HOLIDAY arrggghh. Phoned Natwest direct and they said final checks WON'T be finalised today, more likely Monday. I think my hair will be pure white by then.

    Swanny78, I called 08459 001110, I think this is their number for intermediaries only but I was given it to speak to them directly about something yesterday.
    • carrot cake
    • By carrot cake 19th Jul 13, 2:09 PM
    • 209 Posts
    • 706 Thanks
    carrot cake
    Received our offer!

    Our broker rang a while ago and emailed the offer over, the original is being posted out. I'm not a FTB but I completely forgot how stressful selling/buying a property is! All I've got to do now is conquer my obsession with hoarding as we definitely can't take everything with us

    Good luck to everyone, hope your offers aren't too far away

    PS. I cannot thank our brokers enough and if anyone needs a broker in the Essex area, I would definitely recommend them. PM me for details (hope I'm allowed to put that)
  • Ruthhelenjohn
    Great news!
    Fantastic news!
    Hope it all goes nice & smooth for you!
    Happy Packing!!!
    • swanny78
    • By swanny78 19th Jul 13, 2:34 PM
    • 86 Posts
    • 31 Thanks
    swanny78
    congrats Carrot Cake first of many I hope from this board ;-)
  • Ruthhelenjohn
    We got it!
    We just had a phone call confirming there is an offer coming out in the post!!
    Can't praise the lady at the Halifax enough, she has been brilliant!
    HUGE weight off my mind!
    Hoping you all have good news really soon
    One happy FTB!!
    • swanny78
    • By swanny78 19th Jul 13, 4:38 PM
    • 86 Posts
    • 31 Thanks
    swanny78
    We just had a phone call confirming there is an offer coming out in the post!!
    Can't praise the lady at the Halifax enough, she has been brilliant!
    HUGE weight off my mind!
    Hoping you all have good news really soon
    One happy FTB!!
    Originally posted by Ruthhelenjohn
    excellent that's 2 down ;-)
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