Nationwide Mortgages - How long??

e45

Our journey has been quick so far...

19/03/13 Offer accepted
20/03/13 DIP
21/03/13 Valuation booked
25/03/13 Valuation completed
27/03/13 Valuation satisfactory
29/03/13 (Good Friday!!!) Offer issued

95% Mortgage with the STB savings account.

japmis

japmis wrote: »

26 February 2013 - Decision in Principle approved
8 March - Full application submitted
11 March - Nationwide Survey
13 March - Survey satisfactory text message
15 March - mortgage value reduced after I negotiated lower price with vendor (home buyers survey revealed finlock gutter issue).
21 March - mortgage term lengthened (after speaking with a friend who's a financial advisor)
26 March - called to check they weren't waiting on anything from me. They were waiting on my bank statements which they had previously told me they didn't need as I already bank with them. They said it should go to their legal department (?) next week.

ETA for approval - no idea!

Still no news, should I be worried?!

I see other people's have gone thru within 4 weeks....maybe they didn't make all the changes I did?! :rotfl:

e45

japmis wrote: »

Still no news, should I be worried?!

I see other people's have gone thru within 4 weeks....maybe they didn't make all the changes I did?! :rotfl:

When did you last chase them? We had a small issue on ours that needed "removing" but when i called i got the impression that if I hadnt caleld it woud have just been left in limbo

diska

e45 wrote: »

When did you last chase them? We had a small issue on ours that needed "removing" but when i called i got the impression that if I hadnt caleld it woud have just been left in limbo

Totally agree! Mine was held up as the documentation I had faxed hadn't been marked by them as 'received' when it was there. Would have probably remained like that if I didn't phone to check!

japmis

thanks diska & E45, I'll give them a bell

HayleyLouise2013

HayleyLouise2013 wrote: »

Hi Guys.

I had a decision in principle on 21/03/2013.
Offer accepted on house 22/03/2013.
Full application 25/03/2013.
Valuation booked for 27/03/2013.

Its happening so fast and i know that the valuation will be fine but i am so scared..i am doing my own head in.
Anybody had a decline from this point on???

Thanks


Hayley x

Employers refernence done today.. 04/04/13...still waiting

japmis

japmis wrote: »

thanks diska & E45, I'll give them a bell

Good job I did phone them because they were still insisting I owed them bank statements despite initially saying I didn't need to send them because I already bank with NW!!

The guy on the phone said to send them anyway to be on the safeside, so they are in the post before 5pm tonight!!


What a palalva :rotfl:

japmis

HayleyLouise2013 wrote: »

Employers refernence done today.. 04/04/13...still waiting

Have they sent you a text to let you know?

I haven't had any texts from them since the survey approval 13/03/2013.

HayleyLouise2013

japmis wrote: »

Have they sent you a text to let you know?

I haven't had any texts from them since the survey approval 13/03/2013.

No they never sent a text my mortgage advisor told me they requested a contact address for them then my employer told me they give it.

Its nerve racking isnt it?

japmis

HayleyLouise2013 wrote: »

Its nerve racking isnt it?

Yep!! I feel like I can't get excited until the keys are in my hands, still can't quite believe how close I am to having my own front door!! :beer:

For me tho, definitely the most stressful part was finding the property because it was all down to me. Now it's just a waiting game and I have to leave it up to the housing gods to decide my fate :A