First Time Buyer Worries!

kingstreet

I had a Halifax case last year where we completed the application on 17 June. The offer was dated 19 August, so two months from application to offer.

We had one two week delay for a missing page from the applicants' tax credits award (page four of four) which was completely blank other than the page 4 of 4 at the bottom.

Then we found applicant one passed a birthday on 8 July, making him 40. The 25 year term then cut past his normal retirement age so I had to obtain confirmation from his employer he could carry on working past 65.

Each issue took about a week to resolve then another week while Halifax got round to dealing with it. We lost four weeks, just like that.

My last Halifax case was input on Tuesday 5 July and offered on Thursday 7 July. You never know what's going to happen!

raffhussain

Thanx for that info. I just spoke to Halifax and they have given me an update. They are still waiting for the paper work from the solicitor which the solicitor confirms have been sent and also the broker has put my partner as Mrs but het title is miss. Halifax have contacted the broker regarding this. Don't understand why he did that beacuse all the paper for my partner states miss. Should this be a problem?

mike-ritchie1983

raffhussain wrote: »

Thanks for that. I'm gna give them a call when I get back from work today. How long did your did take from the date the application was submitted to getting an offer?

Hi,

It was only a few days after the full apllication being submitted when I got my full offer. All happend very quickly.

good luck and let me know how you get on.

Mike

robrymond

We've been in contact with Halifax today and they say that the payslips etc were sent across but there is a discrepancy with my partners earnings. However what the broker failed to tell them was it isn't a full months payslip and they have a letter from her HR to confirm her full salary. So we're stuck in a rut yet again and no one is communicating to us...and we're nearly at the end of the week again.

raffhussain

Spoke to broker today and confirmed Halifax have recieved all the details and now they want most recent bank statements for my partner. Don't know why because we provided july statement to the solicitor. This just going to drag things further

kingstreet

raffhussain wrote: »

Spoke to broker today and confirmed Halifax have recieved all the details and now they want most recent bank statements for my partner. Don't know why because we provided july statement to the solicitor. This just going to drag things further

What you provided to the solicitor was for the solicitor's purpose, probably address verification. Halifax want latest bank statement for status purposes and probably because two months has passed since the last one they have on file.

raffhussain

kingstreet wrote: »

What you provided to the solicitor was for the solicitor's purpose, probably address verification. Halifax want latest bank statement for status purposes and probably because two months has passed since the last one they have on file.

Thank you for your help. Realty is appreciated. The things though they have not asked for my bank statements but just my partners.

robrymond

Finally had ours approved today, so a good start to the week, a long and stressful process :-)

raffhussain

Got a call from broker this morning. Mortgage offer recieved. Sent me a email copy. Load of stress of my head. Home straight now. Thanks for all your help.

tickledpink1984

Hi glad to see that I am not the only one having to wait for decisions and pleased to read that waiting does pay off! In the process of applying for a mortgage with Nationwide, it is a paper based application and seems to be taking forever to get a decision. Full application was submitted on the 24th October, was advised by our MA that the survey was instructed so assume now that we are simply waiting for that to come back with no problems and we should get our offer? Has any one else had experience dealing with Nationwide?