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Behind the scenes
Too_Hairy_Husky
Posts: 52 Forumite
Not sure that's quite the right title - it should perhaps have been PLEASE GIVE ME SOME REASSURANCE!!!!
We applied to the Woolwich on 13 November through L&C and were credit scored / checked the same day. They have all the original documents that they have requested and they got those around 17 November.
We have to pay a valuation fee and that money has not yet come out of my account - I was just wondering what would / could be going on behind the scenes and if this "delay" is normal?
We move out in a fortnight!!!!!
Thank you, Sarah
We applied to the Woolwich on 13 November through L&C and were credit scored / checked the same day. They have all the original documents that they have requested and they got those around 17 November.
We have to pay a valuation fee and that money has not yet come out of my account - I was just wondering what would / could be going on behind the scenes and if this "delay" is normal?
We move out in a fortnight!!!!!
Thank you, Sarah
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Comments
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I take it you have alternative accommodation for two weeks' time?I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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Yes we do - we're renting a holiday cottage...0
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More than likely your application is sitting in a pile waiting to be looked at. These days lenders have far too few experienced staff for the levels of business they are trying to process.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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Too_Hairy_Husky wrote: »and they got those around 17 November.
17th of November was a Saturday. So unlikely that the documents were processed then. So only a few working days has past since then.
Later on this week if you haven't heard from your broker give them a call.0 -
Thanks guys - moving out and not hearing anything is starting to play havoc with my nerves!!!!0
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Too_Hairy_Husky wrote: »Thanks guys - moving out and not hearing anything is starting to play havoc with my nerves!!!!
Applying for the mortgage is only the first step. So advisable not to get to stressed. House purchase runs to its own timetable. Sometimes quick other times slow.0 -
Thank you again guys - I heard back from L&C yesterday - The Woolwich had "forgotten" to order the survey...
The money has now come out of my account, the paperwork has all been approved - just awaiting the valuation survey results... fingers crossed!0
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