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santander
smacky
Posts: 229 Forumite
hey guys
finally credit check showing up on my experian now , i guess ill have to wait atleast 1 week for their initial decision ?
is this correct ?
finally credit check showing up on my experian now , i guess ill have to wait atleast 1 week for their initial decision ?
is this correct ?
0
Comments
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What do you mean initial decision, are you talking about a DIP?Trainee Building Surveyor
DIP 12/02/13 - Mortgage application 13/02/13 - Valuation 14/02/13 - Valuation OK 22/02/13 - Mortgage offered 05/03/2013 - Completion 22/03/2013
FINALLY IN MY FIRST HOME!!! WAHOOOOOOO! :beer:0 -
if you've done your full application today then you'll have a couple of weeks to go yet i suspect.Trainee Building Surveyor
DIP 12/02/13 - Mortgage application 13/02/13 - Valuation 14/02/13 - Valuation OK 22/02/13 - Mortgage offered 05/03/2013 - Completion 22/03/2013
FINALLY IN MY FIRST HOME!!! WAHOOOOOOO! :beer:0 -
if you've done your full application today then you'll have a couple of weeks to go yet i suspect.
2-3 days to be assessed, pretty quick at the moment provided your broker has packaged the case properly, if it gets bounced back for more info, it could take extra few days each time.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.0 -
2-3 days to be assessed, pretty quick at the moment provided your broker has packaged the case properly, if it gets bounced back for more info, it could take extra few days each time.
is there any way to track it , like if was assessed okay ? and say they have instructed valuation etc ?
as my Broker told me they send docs only when requested by UW
regards0 -
We can, via case tracking on the AFI website.
You'll have to ask your broker to update you. I update my clients every day or two, without being asked.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 -
With regards submitting docs, your broker should know 99% of the time what they will ask for, I normally submit these immediately, so that when they assess the case they have everything they need, it can then be passed straight to underwriting.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.0
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With regards submitting docs, your broker should know 99% of the time what they will ask for, I normally submit these immediately, so that when they assess the case they have everything they need, it can then be passed straight to underwriting.
am self emp director of ltd co
i did submit last 3 years SA302s , thinking this might be the best proof
not sure if broker submitted them or not as he advised me , he will send docs as n when required0 -
If the full application was submitted yesterday, then you are looking at 48 hours worst case scenario for it to be looked at. Initially they tend to come back with little questions which can be addressed by the broker direct.
Wouldn't expect it to drag on for more than a week for the survey to be instructed.
No need to be chasing the broker every day but he should be managing your expectations
Good luck0
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