Anyone want to join me? Awaiting Mortgage decision...

lancslass26

matt_james27 said:

lancslass26 said:

That’s great timescales... I think you’re one of the few but it’s likely because nhs employed is totally secured employment. We’re classed as self emp so I doubt it’s going to be a quick turnaround. Bet you can’t wait now 🍾

Thanks. Hopefully yours won't be too long a wait. It probably is worth chasing every 2 days or so, in case the lender has asked for any documents.

I feel bad chasing MB. He always seems so stressed. Can only see soft search on credit file on 13/7 so once the hard checks done then I’ll start to chase but think we’re just in a queue at the moment. Our exchange deadline is end of the month which is never going to happen 

Loglog

lancslass26 said:

Loglog said:

Bryson20 said:

Bryson20 said:

I'm applying with Nationwide. I'm a first time buyer and the sole applicant. I'm using a broker.
AIP - 6th July
Applied - 6th July
Valuation scheduled, completed and received - 7th July
Sent Nationwide remaining requested forms (gifted deposit letter etc.) - 15th July
Now back to the nervous waiting

I am very bad at waiting so asked the Nationwide livechat for an update - they are apparently verifying the last forms I sent them and should be able to make a decision in about 4 days (not sure if that's 4 days from receiving the forms or from now). 

Hopefully you will hear some good news soon.  
I'm still waiting for the update as well, submitted on Monday and was told the valuation was carried out yesterday! Been very anxious waiting! 

Good news that’s yours is moving quickly... can I ask - are you employed or self employed? It seems some lenders do valuation before underwriter and others are opposite.

I'm self-employed and sent the application through a MB. Still waiting for any update everyday 

lancslass26

Loglog said:

lancslass26 said:

Loglog said:

Bryson20 said:

Bryson20 said:

I'm applying with Nationwide. I'm a first time buyer and the sole applicant. I'm using a broker.
AIP - 6th July
Applied - 6th July
Valuation scheduled, completed and received - 7th July
Sent Nationwide remaining requested forms (gifted deposit letter etc.) - 15th July
Now back to the nervous waiting

I am very bad at waiting so asked the Nationwide livechat for an update - they are apparently verifying the last forms I sent them and should be able to make a decision in about 4 days (not sure if that's 4 days from receiving the forms or from now). 

Hopefully you will hear some good news soon.  
I'm still waiting for the update as well, submitted on Monday and was told the valuation was carried out yesterday! Been very anxious waiting! 

Good news that’s yours is moving quickly... can I ask - are you employed or self employed? It seems some lenders do valuation before underwriter and others are opposite.

I'm self-employed and sent the application through a MB. Still waiting for any update everyday 

It’s the wait or lack of updates that’s horrible. Are you Nationwide? We’re NW and both S-emp but not even had hard checks or valuation info yet so I’m thinking ours is literally just sat in a queue.
13/7 - DIP refer as self emp also soft search done
16/7 - MB advised DIP accepted
16/7 - 10:20PM - text and email saying application rcvd 
Thats where we’re at 

jmcg

lancslass26 said: 

I was told to do HTB app before mortgage app but we did at the same time. Depends on the bank I think, I read that some want the ATP When submitting but doubt it would hold your app up, most likely down to COVID.

Our MB processed both during the application, we had to fill out a form which they submitted. I rang HTB and was quite easy to chase, they issued it last thing on Friday afternoon.

I haven't had any texts or emails from Natwest so pretty much pestering the broker for updates!
This waiting is horrible!

Loglog

lancslass26 said:

Loglog said:

lancslass26 said:

Loglog said:

Bryson20 said:

Bryson20 said:

I'm applying with Nationwide. I'm a first time buyer and the sole applicant. I'm using a broker.
AIP - 6th July
Applied - 6th July
Valuation scheduled, completed and received - 7th July
Sent Nationwide remaining requested forms (gifted deposit letter etc.) - 15th July
Now back to the nervous waiting

I am very bad at waiting so asked the Nationwide livechat for an update - they are apparently verifying the last forms I sent them and should be able to make a decision in about 4 days (not sure if that's 4 days from receiving the forms or from now). 

Hopefully you will hear some good news soon.  
I'm still waiting for the update as well, submitted on Monday and was told the valuation was carried out yesterday! Been very anxious waiting! 

Good news that’s yours is moving quickly... can I ask - are you employed or self employed? It seems some lenders do valuation before underwriter and others are opposite.

I'm self-employed and sent the application through a MB. Still waiting for any update everyday 

It’s the wait or lack of updates that’s horrible. Are you Nationwide? We’re NW and both S-emp but not even had hard checks or valuation info yet so I’m thinking ours is literally just sat in a queue.
13/7 - DIP refer as self emp also soft search done
16/7 - MB advised DIP accepted
16/7 - 10:20PM - text and email saying application rcvd 
Thats where we’re at 

Yes, I'm self-employed and a sole applicant with NW as well. Submitted two years of SA302 and tax overviews along with recent three months' bank statements via a MB. Have been waiting every single day nervously since the full application was submitted on Monday. But, I don't have any update texts or emails as I suppose they will just go to the MB. 

skinnymonkey

Good luck with NatWest. Mine has taken 7 weeks after aborting first application that they messed up to be 55k short. Bravo

hannah2283

matt_james27 said:

HSBC 75% LTV, broker submitted full application on 8th July, offer received 5am today (18th July) via email, password for the files arrived at 9am via text 

This is good to know - I'm also applying for HSBC 75% LTV via a broker. Broker submitted application on Monday 13th July, I asked the broker for an update this week but she says there's nothing - I assume the valuation would have taken place by now? Haven't been asked for any more documents or anything. I'm not sure if the broker would be told when the valuation is taking place?
Congrats on the offer!

lancslass26

Loglog said:

lancslass26 said:

Loglog said:

lancslass26 said:

Loglog said:

Bryson20 said:

Bryson20 said:

I'm applying with Nationwide. I'm a first time buyer and the sole applicant. I'm using a broker.
AIP - 6th July
Applied - 6th July
Valuation scheduled, completed and received - 7th July
Sent Nationwide remaining requested forms (gifted deposit letter etc.) - 15th July
Now back to the nervous waiting

I am very bad at waiting so asked the Nationwide livechat for an update - they are apparently verifying the last forms I sent them and should be able to make a decision in about 4 days (not sure if that's 4 days from receiving the forms or from now). 

Hopefully you will hear some good news soon.  
I'm still waiting for the update as well, submitted on Monday and was told the valuation was carried out yesterday! Been very anxious waiting! 

Good news that’s yours is moving quickly... can I ask - are you employed or self employed? It seems some lenders do valuation before underwriter and others are opposite.

I'm self-employed and sent the application through a MB. Still waiting for any update everyday 

It’s the wait or lack of updates that’s horrible. Are you Nationwide? We’re NW and both S-emp but not even had hard checks or valuation info yet so I’m thinking ours is literally just sat in a queue.
13/7 - DIP refer as self emp also soft search done
16/7 - MB advised DIP accepted
16/7 - 10:20PM - text and email saying application rcvd 
Thats where we’re at 

Yes, I'm self-employed and a sole applicant with NW as well. Submitted two years of SA302 and tax overviews along with recent three months' bank statements via a MB. Have been waiting every single day nervously since the full application was submitted on Monday. But, I don't have any update texts or emails as I suppose they will just go to the MB. 

I’m also through broker but I got text and email from NW direct, think it depends if MB puts them on application. Hoping we hear soo 🤞🏻

Trickster33

Think I’ve read all 1031 pages of this thread now since my application went in to Accord on the 9th of July ! I’ve not been asked for any documents , no questions either only been told documents are in order and it was waiting for the underwriters last Wednesday. Apparently get further info at the latest Mon/Tues. Not the worrying type normally but this has made me anxious and I’ve convinced myself it’ll be all doom and gloom 😂
Great to read all the story’s however some successful some not so , it’s not easy ! 

watch3r

hannah2283 said:

matt_james27 said:

HSBC 75% LTV, broker submitted full application on 8th July, offer received 5am today (18th July) via email, password for the files arrived at 9am via text 

This is good to know - I'm also applying for HSBC 75% LTV via a broker. Broker submitted application on Monday 13th July, I asked the broker for an update this week but she says there's nothing - I assume the valuation would have taken place by now? Haven't been asked for any more documents or anything. I'm not sure if the broker would be told when the valuation is taking place?
Congrats on the offer!

That depends on the lender and whenever it’s desktop ( avr ) or in person . My mortgage was “approved subject to valuation” on 7/07 ( it went to mortgage processing to book a valuation) valuation confirmed to take place on 23/07 so it’s just over 2 weeks of waiting. So if process is - application- underwriting- valuation- offer you can sort out your solicitor etc . If it’s application- valuation- underwriting- offer it’s nothing but waiting.