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Anyone want to join me? Awaiting Mortgage decision...
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I need advice!!!! Please. So in march we decided to apply to santander with one years accounts. Broker was positive he could do it! We applied self employed accounts, and a second income from employment( my partner has a job as a merchandiser, basically making sure stock in factory of clothes are delivered and made on time. Altogether he earns 60k are year. They rejected him. Applied to Halifax and accord, they both rejected. In all of this I was saying 3 rejects are wrong for broker to do, there's a pattern here. Fast Forward to June I asked him to go with another broker, this broker has a great reputation! They corrected the error on accounts which broker picked up on so accountant fixed it and we applied with nationwide. They asked for 6months pay slips, and 6 months bank statements and his 2 Yr self employed accounts. Asked for employment contract. Went to head office for decision, rejected again. (arrhhhh)
Now option, 1) rent for few months and apply from natwest (he Banks with them last 15yrs) however only apply with self employed accounts and not his secondary job and go for smaller house.
Option 2- apply with natwest, apply with him and my name, however my credit file has very little history.
Your answers are really appreciated as I'm soo confused now.0 -
Anyone waiting on TSB? Buyer has valuation done on our house last Thursday and no update yet. Wondering what normal turnaround is atm0
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Kalamides said:Hi everyone - this is my first post on the forum. We're FTBs and I am wondering if anyone's recently applied for a mortgage with West Brom and if they could share their experience? We got an AIP from them on Wednesday last week after having our offer accepted on a property that's only 10 months old (sellers moving due to medical conditions). We're submitting our full application today via our MA.I have 2 key worries:- we're going with a 15% deposit however we won't have saved the full amount until the end of August (6 weeks from now) - we have demonstrated our ability to save a certain sum/month for the past 10 months so we are fully confident we'll have more than the full deposit then, but is this likely to cause issues? We've provided evidence of the deposit we have now and our saving pattern.- the age of the property - looking at the media and the different lenders' criteria, with some refusing to lend against properties less than 24 months old, I am pretty worried.What do you think? Grateful for any thoughts or advice! Thank you!Update on our timeline with West Brom:15/07 offer accepted and DIP from West Brom for an 85% LTV mortgage17/07 instructed solicitors20/07 full mortgage application submitted via our MA24/07 WB asked for P60s via MB, as well as for us to complete and sign their declaration and DD form; my P60s were not available (employer taking ages to provide them) so I provided payslips for March 2020 and March 2019 instead, which showed my earnings to date for that FY28/07 EA notified us that the valuation and HomeBuyers survey are scheduled for 31/07...and now we wait. So so nervous! Hope everyone's getting on ok!0
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Today we paid for the valuation on Halifax and how we know when they will book the valuation ? If anyone know give me details . Thank you .We applied 22/06. Now 6th week started..0
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28tsw said:Anyone waiting on TSB? Buyer has valuation done on our house last Thursday and no update yet. Wondering what normal turnaround is atm
I had my offer today from TSB. I had my valuation last Monday and that was me hearing back today. Application made on the 11th, so just over 2 weeks from application to offer being made. Hopefully your buyer hears soon, Happy the wait is over 😀1 -
davidthatch said:28tsw said:Anyone waiting on TSB? Buyer has valuation done on our house last Thursday and no update yet. Wondering what normal turnaround is atm
I had my offer today from TSB. I had my valuation last Monday and that was me hearing back today. Application made on the 11th, so just over 2 weeks from application to offer being made. Hopefully your buyer hears soon, Happy the wait is over 😀0 -
davidthatch said:28tsw said:Anyone waiting on TSB? Buyer has valuation done on our house last Thursday and no update yet. Wondering what normal turnaround is atm
I had my offer today from TSB. I had my valuation last Monday and that was me hearing back today. Application made on the 11th, so just over 2 weeks from application to offer being made. Hopefully your buyer hears soon, Happy the wait is over 😀
We're still waiting on TSB, application went in on 22nd June and been with underwriters since start of the month.0 -
28tsw said:davidthatch said:28tsw said:Anyone waiting on TSB? Buyer has valuation done on our house last Thursday and no update yet. Wondering what normal turnaround is atm
I had my offer today from TSB. I had my valuation last Monday and that was me hearing back today. Application made on the 11th, so just over 2 weeks from application to offer being made. Hopefully your buyer hears soon, Happy the wait is over 😀0 -
ThatDavieGuy said:davidthatch said:28tsw said:Anyone waiting on TSB? Buyer has valuation done on our house last Thursday and no update yet. Wondering what normal turnaround is atm
I had my offer today from TSB. I had my valuation last Monday and that was me hearing back today. Application made on the 11th, so just over 2 weeks from application to offer being made. Hopefully your buyer hears soon, Happy the wait is over 😀
We're still waiting on TSB, application went in on 22nd June and been with underwriters since start of the month.0 -
davidthatch said:ThatDavieGuy said:davidthatch said:28tsw said:Anyone waiting on TSB? Buyer has valuation done on our house last Thursday and no update yet. Wondering what normal turnaround is atm
I had my offer today from TSB. I had my valuation last Monday and that was me hearing back today. Application made on the 11th, so just over 2 weeks from application to offer being made. Hopefully your buyer hears soon, Happy the wait is over 😀
We're still waiting on TSB, application went in on 22nd June and been with underwriters since start of the month.
The last update we got was Friday where the underwriters asked a question on childcare costs which was answered immediately which makes me fear that with that question being asked that we're now down to the bottom of the pile again after 3 weeks of nothing.0
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