Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
Page 357
    • middy991
    • By middy991 5th Sep 17, 8:06 PM
    • 26 Posts
    • 2 Thanks
    middy991
    another day passes and no news,pulling my hair out wish they'd just come back and say no
    • Ftb1992
    • By Ftb1992 5th Sep 17, 8:10 PM
    • 13 Posts
    • 5 Thanks
    Ftb1992
    another day passes and no news,pulling my hair out wish they'd just come back and say no
    Originally posted by middy991
    I think time elspsing is a good thing. If they were sure it's a no, you'd know by now!
    • FTB1991
    • By FTB1991 5th Sep 17, 8:33 PM
    • 2 Posts
    • 0 Thanks
    FTB1991
    Evening all,

    As FTB's we thought we will add our process of applying for a mortgage.

    17/08 - AIP approved with Halifax for a max £245k with 5% deposit which I thought was ridiculously high. But nice to see anyway.

    21/08 - Viewed house (loved it!)
    22/08 - Viewed house for 2nd time with fianc!e parents and made offer at asking price (£160k) and was accepted 2 hours later.

    24/08 - The nerve racking mortgage application with advisor. Which actually turned out to be very easy. Mortgage application submitted and given an A2 credit score so only 1 payslip needed from both us. And told it was approved subjected to valuation. Finally, later on we instructed our solicitors.

    02/08 - Was told by our mortgage advisor that the valuation was delayed without a date given due to an backlog with the surveyors.

    05/08 - Told the valuation is now booked for the 14/08. Just annoying waiting this length of time for a valuation survey.

    Will keep you updated of our process
    • h240
    • By h240 5th Sep 17, 9:41 PM
    • 9 Posts
    • 0 Thanks
    h240
    We submitted full application Thursday last week heard today from broker that it's been accepted subject to valuation, hope that goes ok next. Feel slightly better now. We are ftb hoping to get a newbuild, hope the valuation gets booked asap!
    • HGW2012
    • By HGW2012 6th Sep 17, 8:31 AM
    • 55 Posts
    • 23 Thanks
    HGW2012
    Had a call from our broker yesterday evening saying valuation back and mortgage approved for full amount!!!!

    Time line from us so far;

    31/7 DIP
    5/8 Offer accepted
    7/8 Solicitor appointed (currently on hold until mortgage app through)
    9/8 Broker appointment, all documents given and mortgage chosen through Halifax
    18/8 1 pay slip requested from Halifax
    21/8 Valuation and Home Buyers Survey booked for 31st
    31/8 Valuation and Survey went ahead
    5/9 Mortgage approved for full amount
    6/9 Solicitors told to go go go!

    Just awaiting the survey to be uploaded (fingers crossed all ok) and offer to be posted from Halifax then will shimmy on off to the waiting to exchange thread. Can't actually believe I'm saying that, a long time coming

    Good luck to everyone waiting for a decision.
    • Jader123
    • By Jader123 6th Sep 17, 8:44 AM
    • 4 Posts
    • 0 Thanks
    Jader123
    Gutted! Heard from broker yesterday afternoon that mortgage came back as a no. I didn't really understand the reason he was giving tbh but the broker said it's ridiculous and not good enough reason so apparently sent it to the business development manager of santander? Has anyone experienced this and what was the outcome? I barely slept last night through worry and no idea what to do if comes back as a no again literally just want to cry!
    • Alsav
    • By Alsav 6th Sep 17, 11:07 AM
    • 13 Posts
    • 0 Thanks
    Alsav
    Another update from me.

    So far, full application submitted on Monday 4th and valuation instructed by Halifax straight away.

    Tuesday 5th - spoke to EA so I could find out when the valuation had been booked for and she advised they had not yet heard from the surveyors.

    Wed 6th - Rang Colleys this morning to ask when the valuation would be booked. They informed me they didn't have availability and had panelled the valuation out to Countrywide. Called Countrywide who confirmed they had received the request to value but informed me they didn't have availability until 23rd Sept and would be scheduling it for then!!! Called back Colleys and asked them to explain why they had panelled the valuation to a firm that didn't have availability??? Stayed on hold for 30mins whilst Colleys called around other firms to get a better availability date. Colleys have now passed to Connells to value who have confirmed they have availability for next week. Fingers crossed all goes to plan!
    • T4taylor
    • By T4taylor 6th Sep 17, 12:04 PM
    • 14 Posts
    • 1 Thanks
    T4taylor
    Yippee I can actually join this thread!

    Our timeline... (by the way we were not in a rush as renting and saving)

    9/7 Went to visit house being renovated by cousin. Loved it.
    4/8 Took husband along. Also a big fan.
    29/8 House was valued by EA at £220,000, offered to us at £210,000.
    31/8 Decided to go for it, looked at MSE mortgage comparison and sought advice from London and Country. Found a conveyancer.
    5/9 AIP submitted and approved.
    6/9 Lenders have taken application and valuation fee.

    Now awaiting confirmed list of required documentation although L&C gave us a good idea what these would be so have started requesting statements from banks etc.

    It's happening!!
    • Alsav
    • By Alsav 6th Sep 17, 5:11 PM
    • 13 Posts
    • 0 Thanks
    Alsav
    Yet Another Update!!!

    Chased Connells and they agreed to do the survey tomorrow morning instead of next week!

    Bricking it now that this will come back ok and we get a mortgage offer 😫😫😫😫
    • MrCH
    • By MrCH 6th Sep 17, 5:46 PM
    • 66 Posts
    • 11 Thanks
    MrCH
    Natwest update

    11/8 Offer accepted
    11/8 DIP put in
    14/8 DIP approved
    14/8 All docs sent to broker for full app
    17/8 survey fee taken out
    18/8 email received to say that a survey will be done 23/8
    22/8 valuation moved to 30/8

    6th September - MORTGAGE OFFER

    Me and the wife are absolutely made up. Been needing to get this mortgage for quite a long time but circumstances stopped us.
    • stu2500
    • By stu2500 6th Sep 17, 5:48 PM
    • 115 Posts
    • 14 Thanks
    stu2500
    Natwest update

    11/8 Offer accepted
    11/8 DIP put in
    14/8 DIP approved
    14/8 All docs sent to broker for full app
    17/8 survey fee taken out
    18/8 email received to say that a survey will be done 23/8
    22/8 valuation moved to 30/8

    6th September - MORTGAGE OFFER

    Me and the wife are absolutely made up. Been needing to get this mortgage for quite a long time but circumstances stopped us.
    Originally posted by MrCH
    Great news, congratulations! Hopefully my Natwest one will follow soon
    • tt07
    • By tt07 6th Sep 17, 6:29 PM
    • 65 Posts
    • 18 Thanks
    tt07
    Natwest update

    11/8 Offer accepted
    11/8 DIP put in
    14/8 DIP approved
    14/8 All docs sent to broker for full app
    17/8 survey fee taken out
    18/8 email received to say that a survey will be done 23/8
    22/8 valuation moved to 30/8

    6th September - MORTGAGE OFFER

    Me and the wife are absolutely made up. Been needing to get this mortgage for quite a long time but circumstances stopped us.
    Originally posted by MrCH
    Well done good luck with the rest of the process.

    Yet Another Update!!!

    Chased Connells and they agreed to do the survey tomorrow morning instead of next week!

    Bricking it now that this will come back ok and we get a mortgage offer 😫😫😫😫
    Originally posted by Alsav
    That's good, should you not be excited to get the offer?
    • tt07
    • By tt07 6th Sep 17, 6:30 PM
    • 65 Posts
    • 18 Thanks
    tt07
    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
    • middy991
    • By middy991 6th Sep 17, 8:27 PM
    • 26 Posts
    • 2 Thanks
    middy991
    spoke to mortgage broker this morning she said should have an update later today guess what no update gonna crack a few beers to chill seriously dong my head in
    • MrCH
    • By MrCH 6th Sep 17, 9:39 PM
    • 66 Posts
    • 11 Thanks
    MrCH
    Great news, congratulations! Hopefully my Natwest one will follow soon
    Originally posted by stu2500
    Thank you. Good luck with it.
    How long have you waited since survey?
    • shilton87
    • By shilton87 6th Sep 17, 9:57 PM
    • 2 Posts
    • 0 Thanks
    shilton87
    Feeling the nerves now...

    21st Aug - Plot released (new build)
    23rd Aug - DIP Halifax (via broker, L&C)
    26th Aug – Plot reserved, fee paid
    29th Aug – Instructed conveyancer (bit keen maybe?)
    30th Aug – Discussion with L&C
    30th Aug – HTB application completed and sent back to L&C
    31st Aug – Mortgage application submitted to Leeds Building Society (L&C found a better mortgage deal with LBS than with Halifax)
    1st Sept – Credit search appeared on credit report from LBS
    1st Sept – Additional documents requested by LBS
    2nd Sept – Additional documents posted to L&C

    Hoping L&C process our additional documents tomorrow and get these back to LBS.
    No word on valuations or anything yet.
    Seller (Bellway) have given us until 7th October to exchange... hoping this is still realistic!?
    • purpleparrotuk
    • By purpleparrotuk 6th Sep 17, 10:20 PM
    • 186 Posts
    • 17 Thanks
    purpleparrotuk
    Had my valuation and survey carried out by Colleys last week. Valuation came back fine and have mortgage but have been told the survey can take 10 days to be written. I'm on the edge of my seat waiting to see if the house is ok.
    • stu2500
    • By stu2500 7th Sep 17, 8:43 AM
    • 115 Posts
    • 14 Thanks
    stu2500
    Thank you. Good luck with it.
    How long have you waited since survey?
    Originally posted by MrCH
    Thanks. Our survey is booked for 15th September, still expecting to wait till the end of the month for our offer (all being well).
    • HGW2012
    • By HGW2012 7th Sep 17, 9:05 AM
    • 55 Posts
    • 23 Thanks
    HGW2012
    Had my valuation and survey carried out by Colleys last week. Valuation came back fine and have mortgage but have been told the survey can take 10 days to be written. I'm on the edge of my seat waiting to see if the house is ok.
    Originally posted by purpleparrotuk
    Our survey was carried out on the 31st.
    We got the mortgage offer on the 5th and the full report came back yesterday 6th.

    So you should get any day now.
    • stu2500
    • By stu2500 7th Sep 17, 1:14 PM
    • 115 Posts
    • 14 Thanks
    stu2500
    I'll join you...

    11th August - House viewed
    12th August - Offer accepted
    12th August - Soft search AIP with Natwest completed
    21st August - Broker back from holiday and all doc's sent to him
    25th August - Hard search DIP done by broker and passed with Natwest and application submitted

    Now awaiting underwriting and survey. Keeping everything crossed over the coming weeks.
    Originally posted by stu2500
    Little update and some good news today...

    11th August - House viewed
    12th August - Offer accepted
    12th August - Soft search AIP with Natwest completed
    21st August - Broker back from holiday and all doc's sent to him
    25th August - Hard search DIP done by broker and passed with Natwest and application submitted
    4th September - payslips requested from and sent to Natwest to assess
    4th September - survey booked for 15th September
    7th September - Natwest confirmed all payslips have been assessed and mortgage offer will be approved subject to valuation

    Just playing the waiting game till our survey has been completed.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,073Posts Today

8,380Users online

Martin's Twitter