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Mortgage success stories...

debtfreebyxmas
debtfreebyxmas Posts: 105 Forumite
Part of the Furniture Combo Breaker
in Mortgages & endowments
I could do with some inspiration. There are lots of members struggling through the mortgage game... Please, if you have managed mortgage success can you share...

A little mortgage application success goes along long way...
" a life we could only dream of "
Dreaming is a pointless exercise if it only serves to reinforce your own limitations.
For my familys sake I no longer dream, I will plan and I will try and if I fail I will try and try again.
Failing is far better than dreaming. :)

Comments

  • ACG
    ACG Posts: 24,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    In September i applied for my own mortgage, applied on the Wednesday, the following tuesday i had my mortgage offer.

    To be honest people come on here when they have issues, very few people come on here to say how good the process was. Dont worry.
    I am a Mortgage Adviser
    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.
  • rach83
    rach83 Posts: 300 Forumite
    I managed to get a mortgage approved in about 2 hours and had a mortgage offer within a week back in November. I thought it was going to be really difficult due to OH salary structure but it went v smoothly in the end. 90% LTV, perfect credit. Tiny bit of debt and a dependant.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Was a few years back. Concluded the whole transaction in 18 days. Both sale and purchase.

    Though back then C&G was still a building society, and house being sold was p/ex.

    Having all the relevant offices on the same High street worked as well. As documents could be walked between.
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    Took a mortgage application at lunch time on the Friday.

    Wandered up to the valuer's office above my branch. Valuation carried out at 2.30pm.

    Mortgage offer printed off at 4pm and walked round to the solicitor.

    Case completed the following Friday.
  • Jimbo1976
    Jimbo1976 Posts: 498 Forumite
    We applied for our Clydesdale mortgage through our broker on 13th Sept, offer arrived 21st Sept. Completion took place on 17th Oct (delayed by a couple of weeks by some legal issues which were no fault of our solicitor). Bought through Foxtons who were a pleasure to deal with, efficient, professional and friendly
  • debtfreebyxmas
    debtfreebyxmas Posts: 105 Forumite
    Part of the Furniture Combo Breaker
    It's so good to hear that the process can run smooth. Were nervous already and we haven't even applied yet :)
    " a life we could only dream of "
    Dreaming is a pointless exercise if it only serves to reinforce your own limitations.
    For my familys sake I no longer dream, I will plan and I will try and if I fail I will try and try again.
    Failing is far better than dreaming. :)
  • ACG
    ACG Posts: 24,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Most lenders go through without too many hick ups - some more so than others. It depends on your circumstances and how fussy the lender is.

    If your in full time employment no adverse credit and not looking to stretch yourself financially then there shouldnt be any problems.
    I am a Mortgage Adviser
    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.
  • Wh05apk
    Wh05apk Posts: 2,938 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Basically do not believe the rubbish spouted in the press, lenders are keen to lend, rates are probably the lowest they have been for 30-40 years, provided you have a good credit history deals are out there up to 90 or even 95%, although if you believe the press you need at least 25% deposit.
    I am a mortgage adviser.
    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.
This discussion has been closed.
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