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

chillicheesedog

We chased HSBC yesterday and the MA said that our application is in the queue for the underwriter (sent extra docs requested 10 days ago) so I'm not holding my breath we're hearing anything today, another weekend with uncertainty 

EJ_96

Meh.... feeling stressed 😫
MB submitted my mortgage application About 4 weeks ago with accord. 

No valuation dates set yet, and no response about my mortgage offer.

im beginning to think that there’s an issue. Why are they taking so long?
despite COVID, I’ve had no change in circumstances, if anything, my circumstances are better. 

izoomzoom

Requested first update from MA today. He says (desktop) valuation done on day of submission, all dox sent & received, all questions answered, so now we wait. Applied 9/7 with Santander .... 

28tsw

We have a full offer! We are a straightforward application for 90% HSBC  - no affect from Covid, secure jobs not self employed. We had a detour with bank of Ireland between aip and full application but their criteria didn’t match our needs 

dip - 7/7
Full application submitted - 14/7
offer pending valuation- 21/7
valuation - 23/7
offer 24/7

eireal

uppercaseesteban said:

Update on anyone waiting on BOI our offer came through this morning, we used a broker. Here is our timeline... 
DIP : 29/06
Application submitted : 03/07
Valuation Instructed : 08/07
Valuation carried out : 14/07
BOI requested more details about address history: 23/07
Offer : 24/07
So in total 15 working days, delighted. 

Congratulations!!! What an excellent way to start the weekend. 
Did BOI email you or did you get confirmation from your MB?

RPF1992

EJ_96 said:

Meh.... feeling stressed 😫
MB submitted my mortgage application About 4 weeks ago with accord. 

No valuation dates set yet, and no response about my mortgage offer.

im beginning to think that there’s an issue. Why are they taking so long?
despite COVID, I’ve had no change in circumstances, if anything, my circumstances are better. 

We are in the same boat. Application sent on 24th June and no valuation booked yet. Had an update from our MA this morning to suggest that Halifax are happy with the paperwork but can't officailly confirm the offer as they are still waiting for valuation to be instructed.

By the sounds of it, all lenders are having an absolute nightmare with admin and valuers are severely lacking, so there is no wonder why some of us are struggling to get even the minimal things across the line!!

Fingers crossed you hear back soon!

watch3r

🎉 timescale tor Barclays 🎉
FTB - HTB - 75% LTV
( doesn’t include HTB ATP )

30/06 - application 
2/07 - request for documents, declaration signed 
7/07 - underwriting done and valuation instructed 
23/07 - valuation carried out ( 2 pm) ( was rescheduled from 17/07 )
24/07 - offer issued . 

KAP0365

@watch3r congrats!!!

SierraRomeo30

EJ_96 said:

Meh.... feeling stressed 😫
MB submitted my mortgage application About 4 weeks ago with accord. 

No valuation dates set yet, and no response about my mortgage offer.

im beginning to think that there’s an issue. Why are they taking so long?
despite COVID, I’ve had no change in circumstances, if anything, my circumstances are better. 

We’re waiting on Accord too. They’ve done our valuation - though they didn’t notify us of it being booked, the estate agents did so could be the same for you?

watch3r

KAP0365 said:

@watch3r congrats!!!

Thanks , now the issues .
- its send by post ( odd as everything else was esign ) 
- valuation is non disclosed ( and I need it for HTB ) so looks like I need an extra valuation 😅