First Direct mortgage rates cut and cheaper fees

ginvzt

OH had phone interview on August 15th (for joint mortgage), forms arrived couple days later, posted back all the paperwork on August 26th.
Got a text on Wednesday (September 1st)that our mortgage was approved subject to valuation.
Yesterday (September 3rd)I got a call to my work mobile to confirm my address (same as OH and the house we are buying), date of birth, and to confirm taht I have applied for mortgage, curent account and savings account jointly with OH. At the end was told that once current account is opened (promised it will be on Monday), they will order valuation within 7-10 days.

Seems to be going ok so far. The first call was nearly an hour long, and we were in the airport as I was flying off with work. OH called them back once we received application forms to confirm what information and statements they want (my current account are only online). We sent the forms with all the info and only online printouts of my current account, saying we will post the official ones from the bank as soon as we get them. Well, we didn't get any calls to confirm any transactions, and the official bank statement were not posted to FD, but the mortgage was approved! We are borrowing 75% LTV, just over 2.5 times joint salary. We are buying the house we have been renting for 1.5 years, so we can see what work needs to be done. Hopefully, valuation will be ok!

originalmiscellany

04/09/2010 - Paperwork for mortgage has come through, just need me to sign it, and I'll post it back and hopefully I'll be ahead of the game as I have a few months to go until it kicks in... Small progress is good progress

AdamBrunt

Just got the text from enact saying the remortgage had been completed.

Bang on schedule and the day they said it would be done

originalmiscellany

Just received paperwork to transfer bank details from my old one to my First Direct Bank account. Will be filled in and sent back today.

AdamBrunt

All done and dusted here.

Paperwork from FD/Enact confirming completion and payment details an final loan amounts, etc was received this morning.

kabads

deanos wrote: »

Mine seems to have come to a standstill, on the Enact site it said completion due 16/8/10 just come back off holiday and had no messages or anything.

My application also came to a standstill where some dept. within FD were waiting for documents (other bank statements) that I had already provided. They complained that they were not told that the documents were already on the system. I only found this out after a call to Enact, who said they were waiting for FD and then calling FD who told me that a letter was on it's way to request my statements. When I told them that they were already sent in, she looked on the system and confirmed that they had received them and to ignore the letter once it arrives.

Just got a text 10 mins ago saying that the mortgage was progressing to the next stage. Just glad I phoned to check how it was all going, as it seems that the left hand of FD doesn't know what the right hand is doing.

deanos

Enact told me they were waiting for the go ahead from FD and FD were telling me they have already done it, anyway i emailed Enact and they got it progressing again they seem pretty much on the ball , they told me hopefully it will be done this week just waiting for a new redemption figure

Narva

hello, is this mortgate still avaible please?

pardal51

Received my FD bank account Welcome Pack today. upon reading the docs I noticed a different rate for the offset Base rate tracker (2.09%+BR). Check FD website and they have changed their rates.

I will call them tomorrow as I am sure they should honour the 1.99%+BR as we had agreed weeks ago.

originalmiscellany

Yes:
http://mortgages.firstdirect.com/?clear=true