Timeframe advice

Noddy32

As far as I'm aware even if you are utilising the HTB scheme you are still getting a 'normal mortgage'.

If this helps, we got AIP 25th April, forms then sent off to HTB, approval from them took 2 weeks due to backlog, full mortgage application submitted 8th May, payslips etc requested, survey instructed 16 May, survey carried out 23 May, awaiting mortgage offer (fingers and toes crossed).

Hope this helps.

kingstreet

Frankly, I'm surprised NatWest would accept you for a mortgage when Halifax would decline. Was the missed payment involving a LBG account?

reapz69

Applied to natwest last week, passed the aip credit search then proceeded to full application. Rang them on friday and they said its going ahead and they just need proof of deposit and survey to be done.

Seems a pretty quick turn around atm. Calling my Fa on Tuesday to hand in proof of dep and instruct a survey im hoping !


I have 3 searches on my equifax file

20/05/2013 Credit Search Natwest Mbl/tpi/countrywide

21/05/2013 Subsequent (or follow up) Credit Search Natwest Mbl/tpi/countrywide

24/05/2013 Subsequent (or follow up) Credit Search Natwest Mbl/tpi/countrywide


These are all on equifax I have 0 searches on experian, did your search show on eq or ex?

Meog12

King street- no the late payment was on my orange phone bill account. It sounds like natwest are being quite quick lately- could it be a good sign that we haven't heard anything back yet? I'm thinking perhaps they haven't needed anything from us which we haven't already provided so are going ahead with the valuation?

Meog12

reapz69 wrote: »

I have 3 searches on my equifax file

20/05/2013 Credit Search Natwest Mbl/tpi/countrywide

21/05/2013 Subsequent (or follow up) Credit Search Natwest Mbl/tpi/countrywide

24/05/2013 Subsequent (or follow up) Credit Search Natwest Mbl/tpi/countrywide


These are all on equifax I have 0 searches on experian, did your search show on eq or ex?

Mine were on experian- I might check equifax then and see what that says

reapz69

Meog12 wrote: »

Mine were on experian- I might check equifax then and see what that says

let me know:-)

Meog12

Have checked and the first was a credit search and the second search was a follow up so the same as you apart from only one follow up

reapz69

Any updates?