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

ukbrockest

andrewp35 wrote: »

Joe427 I'm with the Natwest our full application went in middle of last week and our MB said that the survey will be booked by tomorrow 28/02, nothing has been taken as of yet but starting to feel a bit anxious about it all.Its our first house purchase so don't really know what to expect. Time frame wise etc..

Another Nat West here 95% LTV

21/2 Offer on House accepted
26/2 AIP accepted
27/2 Application Submitted

Excited but nervous!

Okydoky25

Okydoky25 wrote: »

Can I join please.

31.1.14 Viewed property
7.2.14 Offer made & declined
7.2.14 Full asking price offered and accepted.
12.2.14 MIP received with Santander
13.2.14 Full application sent. 15% dep.

MA called to confirm Santander have approved Mortgage subject to Valuation (YEY) So hope it does not take to long to get the valuation arranged. EA have been informed and have said they will call as soon as they hear from them.

bry0161

And here's where we're up to:

6th January - AIP with YBS 90% LTV
6th February - AIP expires. After bidding on a couple of houses which didn't come to fruition.
10th February - House viewed and loved it
11th February - Offer made and accepted at full asking price. Quotes for conveyancing requested and made appointment to see mortgage advisor
14th February - Full application. Payslips and bank statements provided. 14th February - Solicitors contacted but informed they are working for vendors so have to find new solicitor.
14th February - New solicitors found. Provided lender with new solicitor details.
15th February - Mortgage adviser informs us the new solicitors aren't on the approved panel. Requested list of approved solicitors. Emailed new solicitor to inform them we can't proceed.
17th February - email from new solicitor informing me they ARE on the approved panel. Mortgage adviser emailed and finds them on system (wrong postcode!)
19th February - Receive forms from solicitors with requests for ID
21st February - emailed Mortgage advisor to ask for any news.
22nd February - email from mortgage advisor who informs me valuation booked for 25th February. Forms sent to solicitor
27th February - Mortgage offer received!

Having read some of the stories on here I can't believe how quick it's been! Dead chuffed

JennGa

Update!

08/02 viewed complete new build, put in offer 2 hours later
09/02 offer accepted, reserved plot
10/02 solicitors instructed, DIP with Santander
12/02 solicitors confirm receipt of paperwork, countdown begins!
13/02 Full mortgage application goes in.
21/02 was told santander hadnt looked at the application yet
24/02 all documentation fine, just need to confirm solicitor is on their approved panel. Got panel number from solicitor and supplied to broker who has passed on info to Santander. Phew.
26/02 passed to underwriters
28/02 approved subject to valuation :j
28/02 valuation instructed

lexilex

09/2013 - Saw property on RightMove, whilst on holiday!
04/10/2013 - First viewing
12/10/2013 - Second viewing.
14/10/2013 - Received London & Country decision in principle.
15/10/2013 - First and second offers made, both rejected.
16/10/2013 - Third offer made, rejected.
28/10/2013 - Met with a local broker, found out DIP from L&C wasn't valid and we would have to wait until end of Nov to get another DIP due to an issue with wage slips.
31/10/2013 - House sold!
09/11/2013 - House reappears on RightMove!
26/11/2013 - Got wage slips needed, met with new broker.
27/11/2013 - DIP with Santander. 85% LTV.
28/11/2013 - Offer finally accepted.
03/12/2013 - Full application with Santander and solicitors instructed.
10/12/2013 - More documents requested.
12/12/2013 - Docs submitted
16/12/2013 - SA302 submitted, application sent to underwriters.
02/01/2014 - Valuation instructed
03/01/2014 - Valuation carried out and mortgage offer.
04/01/2014 - Solicitors forms returned
05/01/2014 - Homebuyers survey booked.
09/01/2014 - Homebuyers survey carried out
14/02/2014 - Received contracts
27/02/2014 - Transferred deposit
28/02/2014 - Exchanged contracts :j:j Completion arranged for 7th March.

So glad this is almost over. Should probably start packing :j

joe427

kingstreet wrote: »

I faxed the packaging on a NatWest case to them on Tuesday and it's not expected to be accepted and valuer instructed until tomorrow.

Hi Kingstreet,

Have you had anything back for your client today?

I phoned Natwest this morning and was told I should have an answer (if it would go to valuation) by close of business today. So I chased them again about half hour ago and was told there is actually a 2 day delay with the underwriters so may not hear anything until Tuesday. Understand it's going through a bit quicker then Santander applications but its torture hah.

laurakt_2

13/01/2014 - Offer accepted on a house
23/01/2014 - Solicitor searches paid for
31/01/2014 - Full application sent off with Santander
11/02/2014 - Received some of the searches back
12/02/2014 - More statements requested
24/02/2014 - Mortgage approved subject to valuation
25/02/2014 - Valuation carried out and Mortgage approved!

Phew!

JennGa

JennGa wrote: »

Update!

08/02 viewed complete new build, put in offer 2 hours later
09/02 offer accepted, reserved plot
10/02 solicitors instructed, DIP with Santander
12/02 solicitors confirm receipt of paperwork, countdown begins!
13/02 Full mortgage application goes in.
21/02 was told santander hadnt looked at the application yet
24/02 all documentation fine, just need to confirm solicitor is on their approved panel. Got panel number from solicitor and supplied to broker who has passed on info to Santander. Phew.
26/02 passed to underwriters
28/02 approved subject to valuation :j
28/02 valuation instructed

Valuation booked for 05/03

onewhoasks

onewhoasks wrote: »

Hi, Also waiting decision from HSBC after a telephone application on 6th Feb and our documents were presented on 11th - this is a remortgage application as we want to change from our current lender. Our application is in the queue for an underwriter since last week, and apparently there has been a system problem since then that has caused a backlog... we can only wait.

Still waiting for a decision... call waiting times to get an update are extremely long (I gave up today). Hopefully a decision next week!

Budgie85

We have just submitted our full mortgage application, had a call from the estate agent to say a surveyor has rung to value the house, is this normal before they have given us a mortgage offer