whats next for my mortage application?

triffid123

I`ve had a mortgage promise from the bank with soft credit search, offer accepted on the house. Ran through the full application with full `hard` credit check. Passed that ok.
The home report is good as it is only a couple of weeks old and the paperwork has been sent off with the home report and a wage slip to some head office.
What happens next? Has my mortgage been accepted?

Dave_Ham

Did you post the same thing earlier? Not got time to search, but please calm down.

Yes, this has been accepted and depending upon the lender they may or may not request more than what has already been provided.

There are countless things you could find to stress about, remember these forums are full of accounts of the worst case scenario's as the straightforward ones have no need for extra help and support...

Stay calm

triffid123

Sorry if im a bit stressed, this is all new to me but your help and answers are really appreciated.
When i started the mortgage process i never thought it would be this stressful, thank goodness its not something i have to do alot in my life.

Dave_Ham

It most certainly is, by and large though if the Estate Agents can be controlled then it can be ok...

Wh05apk

Looking at your post, I'm guessing you are in Scotland?

Given that yo have just sent off your payslip, I suspect the case has not gone through full underwriting yet? as you have had an AIP though and provided you have given correct details and your payslip confirms the income quoted you should be ok.

triffid123

Yes, im in Scotland, thanks for the answers.

triffid123

Just an update, today i received word from the bank that a formal offer has been accepted and sent out. this was very quick, far quicker than i thought, but the bank morgage advisor was spot on and was trying to get it done for me asap.

I just wanted to thank Dave Ham and everyone else whom posted help and advice for me, keeping my mind at rest, thanks alot guys, it was much appreciated