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

chillicheesedog

lancslass26 said:

chillicheesedog said:

Got out offer with HSBC today!
90% LTV, employed, self employed.
Application 3rd of July
Valuation 9th of July
Extra docs requested 14th of July
Pressured MA and got it escalated on the 29th
Today underwriter asked for SIGNED accounts, sent within the hour.
Received offer in the afternoon, should have the offer in the post the next 7 days. 

All in all took 4 weeks since application, partly because of self employment.

Brilliant news - congratulations 🥳 

Thank you! 😊 Such a relief! 

pearsforlife

H2B Remortgage
DIP - Wednesday 22/7 
Full application - Friday 24/7
Reffered decision 
Desktop valuation accepted - Friday 24/7
Offer issued - Thursday 30/7

To say I can’t believe it is an understatement, so fast I didn’t even get chance to chase them up! 

jade2612

firsttimebuyerlpl said:

FTB here also. Our timeline so far: 
22nd July - Mortgage application submitted - text confirmation
22nd July  - Confirmation that a valuation has been booked for the 28th July
23rd July - Clearscore showing that a financial associated has been added to my credit report - Does this mean the application is approved?
24th July - MA asked for latest payslip as we both got paid after the application was submitted - sent across
28th July - Assuming valuation has been done. we havent heard any different from NW or MA. 

today (30th) we are still waiting on word from NW or MA to confirm if the valuation was satisfactory or not. Is this a good or bad sign? I dont want to chase our MA just yet as the valuation was only completed yesterday. We havent been asked for any further documents so not sure if this a good sign either. Havent seen a hard search on my credit report yet - not sure on my partners.
Nervous that things arent going to go through as I've heard NW are being strict on all applications. 

I’ve emailed our MB today but she’s always extremely slow at replying and I’m getting worried something has gone a wrong. I can’t even track it online myself as it’s done via a MB. Any suggestions? 

Our valuation was carried out on the 22/07/2020 and uploaded on the system the same day. Took until the 29th for the valuation to be checked over by the underwriter and mortgage offer issued minutes later. All the texts came through within minutes of each other. 

firsttimebuyerlpl

jade2612 said:

firsttimebuyerlpl said:

FTB here also. Our timeline so far: 
22nd July - Mortgage application submitted - text confirmation
22nd July  - Confirmation that a valuation has been booked for the 28th July
23rd July - Clearscore showing that a financial associated has been added to my credit report - Does this mean the application is approved?
24th July - MA asked for latest payslip as we both got paid after the application was submitted - sent across
28th July - Assuming valuation has been done. we havent heard any different from NW or MA. 

today (30th) we are still waiting on word from NW or MA to confirm if the valuation was satisfactory or not. Is this a good or bad sign? I dont want to chase our MA just yet as the valuation was only completed yesterday. We havent been asked for any further documents so not sure if this a good sign either. Havent seen a hard search on my credit report yet - not sure on my partners.
Nervous that things arent going to go through as I've heard NW are being strict on all applications. 

I’ve emailed our MB today but she’s always extremely slow at replying and I’m getting worried something has gone a wrong. I can’t even track it online myself as it’s done via a MB. Any suggestions? 

Our valuation was carried out on the 22/07/2020 and uploaded on the system the same day. Took until the 29th for the valuation to be checked over by the underwriter and mortgage offer issued minutes later. All the texts came through within minutes of each other. 

Ok that’s not making me as worried thank you. What text messages do you receive? At the minute we have only received confirmation the application has been received and the survey being booked in. 

jade2612

firsttimebuyerlpl said:

jade2612 said:

firsttimebuyerlpl said:

FTB here also. Our timeline so far: 
22nd July - Mortgage application submitted - text confirmation
22nd July  - Confirmation that a valuation has been booked for the 28th July
23rd July - Clearscore showing that a financial associated has been added to my credit report - Does this mean the application is approved?
24th July - MA asked for latest payslip as we both got paid after the application was submitted - sent across
28th July - Assuming valuation has been done. we havent heard any different from NW or MA. 

today (30th) we are still waiting on word from NW or MA to confirm if the valuation was satisfactory or not. Is this a good or bad sign? I dont want to chase our MA just yet as the valuation was only completed yesterday. We havent been asked for any further documents so not sure if this a good sign either. Havent seen a hard search on my credit report yet - not sure on my partners.
Nervous that things arent going to go through as I've heard NW are being strict on all applications. 

I’ve emailed our MB today but she’s always extremely slow at replying and I’m getting worried something has gone a wrong. I can’t even track it online myself as it’s done via a MB. Any suggestions? 

Our valuation was carried out on the 22/07/2020 and uploaded on the system the same day. Took until the 29th for the valuation to be checked over by the underwriter and mortgage offer issued minutes later. All the texts came through within minutes of each other. 

Ok that’s not making me as worried thank you. What text messages do you receive? At the minute we have only received confirmation the application has been received and the survey being booked in. 

So we only had texts saying: application has been received and another saying the valuation was booked for 22/07/2020, we then had nothing until we got 3 in a row: Valuation received, valuation approved, mortgage offer issued. These messages all came one after another. I was so stressed because I had seen people on here who got their mortgage offer the same day as the valuation, but that wasn’t the case for us. We didn’t even have a hard search on Experian, Equifax or TransUnion and still don’t. We complete on Tuesday and we only for our mortgage offer yesterday.

lancslass26

jade2612 said:

firsttimebuyerlpl said:

jade2612 said:

firsttimebuyerlpl said:

FTB here also. Our timeline so far: 
22nd July - Mortgage application submitted - text confirmation
22nd July  - Confirmation that a valuation has been booked for the 28th July
23rd July - Clearscore showing that a financial associated has been added to my credit report - Does this mean the application is approved?
24th July - MA asked for latest payslip as we both got paid after the application was submitted - sent across
28th July - Assuming valuation has been done. we havent heard any different from NW or MA. 

today (30th) we are still waiting on word from NW or MA to confirm if the valuation was satisfactory or not. Is this a good or bad sign? I dont want to chase our MA just yet as the valuation was only completed yesterday. We havent been asked for any further documents so not sure if this a good sign either. Havent seen a hard search on my credit report yet - not sure on my partners.
Nervous that things arent going to go through as I've heard NW are being strict on all applications. 

I’ve emailed our MB today but she’s always extremely slow at replying and I’m getting worried something has gone a wrong. I can’t even track it online myself as it’s done via a MB. Any suggestions? 

Our valuation was carried out on the 22/07/2020 and uploaded on the system the same day. Took until the 29th for the valuation to be checked over by the underwriter and mortgage offer issued minutes later. All the texts came through within minutes of each other. 

Ok that’s not making me as worried thank you. What text messages do you receive? At the minute we have only received confirmation the application has been received and the survey being booked in. 

So we only had texts saying: application has been received and another saying the valuation was booked for 22/07/2020, we then had nothing until we got 3 in a row: Valuation received, valuation approved, mortgage offer issued. These messages all came one after another. I was so stressed because I had seen people on here who got their mortgage offer the same day as the valuation, but that wasn’t the case for us. We didn’t even have a hard search on Experian, Equifax or TransUnion and still don’t. We complete on Tuesday and we only for our mortgage offer yesterday.

Jade - so you’ve not had hard search showing on Equifax? I haven’t had 1 showing, only 3 soft searches, 1 being subsequent credit search. I keep checking thinking this will indicate when my app is being processed but still nothing.

jade2612

lancslass26 said:

jade2612 said:

firsttimebuyerlpl said:

jade2612 said:

firsttimebuyerlpl said:

FTB here also. Our timeline so far: 
22nd July - Mortgage application submitted - text confirmation
22nd July  - Confirmation that a valuation has been booked for the 28th July
23rd July - Clearscore showing that a financial associated has been added to my credit report - Does this mean the application is approved?
24th July - MA asked for latest payslip as we both got paid after the application was submitted - sent across
28th July - Assuming valuation has been done. we havent heard any different from NW or MA. 

today (30th) we are still waiting on word from NW or MA to confirm if the valuation was satisfactory or not. Is this a good or bad sign? I dont want to chase our MA just yet as the valuation was only completed yesterday. We havent been asked for any further documents so not sure if this a good sign either. Havent seen a hard search on my credit report yet - not sure on my partners.
Nervous that things arent going to go through as I've heard NW are being strict on all applications. 

I’ve emailed our MB today but she’s always extremely slow at replying and I’m getting worried something has gone a wrong. I can’t even track it online myself as it’s done via a MB. Any suggestions? 

Our valuation was carried out on the 22/07/2020 and uploaded on the system the same day. Took until the 29th for the valuation to be checked over by the underwriter and mortgage offer issued minutes later. All the texts came through within minutes of each other. 

Ok that’s not making me as worried thank you. What text messages do you receive? At the minute we have only received confirmation the application has been received and the survey being booked in. 

So we only had texts saying: application has been received and another saying the valuation was booked for 22/07/2020, we then had nothing until we got 3 in a row: Valuation received, valuation approved, mortgage offer issued. These messages all came one after another. I was so stressed because I had seen people on here who got their mortgage offer the same day as the valuation, but that wasn’t the case for us. We didn’t even have a hard search on Experian, Equifax or TransUnion and still don’t. We complete on Tuesday and we only for our mortgage offer yesterday.

Jade - so you’ve not had hard search showing on Equifax? I haven’t had 1 showing, only 3 soft searches, 1 being subsequent credit search. I keep checking thinking this will indicate when my app is being processed but still nothing.

lancslass26 said:

jade2612 said:

firsttimebuyerlpl said:

jade2612 said:

firsttimebuyerlpl said:

FTB here also. Our timeline so far: 
22nd July - Mortgage application submitted - text confirmation
22nd July  - Confirmation that a valuation has been booked for the 28th July
23rd July - Clearscore showing that a financial associated has been added to my credit report - Does this mean the application is approved?
24th July - MA asked for latest payslip as we both got paid after the application was submitted - sent across
28th July - Assuming valuation has been done. we havent heard any different from NW or MA. 

today (30th) we are still waiting on word from NW or MA to confirm if the valuation was satisfactory or not. Is this a good or bad sign? I dont want to chase our MA just yet as the valuation was only completed yesterday. We havent been asked for any further documents so not sure if this a good sign either. Havent seen a hard search on my credit report yet - not sure on my partners.
Nervous that things arent going to go through as I've heard NW are being strict on all applications. 

I’ve emailed our MB today but she’s always extremely slow at replying and I’m getting worried something has gone a wrong. I can’t even track it online myself as it’s done via a MB. Any suggestions? 

Our valuation was carried out on the 22/07/2020 and uploaded on the system the same day. Took until the 29th for the valuation to be checked over by the underwriter and mortgage offer issued minutes later. All the texts came through within minutes of each other. 

Ok that’s not making me as worried thank you. What text messages do you receive? At the minute we have only received confirmation the application has been received and the survey being booked in. 

So we only had texts saying: application has been received and another saying the valuation was booked for 22/07/2020, we then had nothing until we got 3 in a row: Valuation received, valuation approved, mortgage offer issued. These messages all came one after another. I was so stressed because I had seen people on here who got their mortgage offer the same day as the valuation, but that wasn’t the case for us. We didn’t even have a hard search on Experian, Equifax or TransUnion and still don’t. We complete on Tuesday and we only for our mortgage offer yesterday.

Jade - so you’ve not had hard search showing on Equifax? I haven’t had 1 showing, only 3 soft searches, 1 being subsequent credit search. I keep checking thinking this will indicate when my app is being processed but still nothing.

Yeah no hard search. On both mines and my husbands Equifax accounts there 3 soft searches: an identity search, subsequent search and a quotation search. I was the same I was repeatedly checking thinking this would indicate when someone looked at my file but still nothing and we have our offer and all.  

motherofcats

FTHophap said:

@motherofcats
Which lender?

Aldermore

firsttimebuyerlpl

lancslass26 said:

jade2612 said:

firsttimebuyerlpl said:

jade2612 said:

firsttimebuyerlpl said:

FTB here also. Our timeline so far: 
22nd July - Mortgage application submitted - text confirmation
22nd July  - Confirmation that a valuation has been booked for the 28th July
23rd July - Clearscore showing that a financial associated has been added to my credit report - Does this mean the application is approved?
24th July - MA asked for latest payslip as we both got paid after the application was submitted - sent across
28th July - Assuming valuation has been done. we havent heard any different from NW or MA. 

today (30th) we are still waiting on word from NW or MA to confirm if the valuation was satisfactory or not. Is this a good or bad sign? I dont want to chase our MA just yet as the valuation was only completed yesterday. We havent been asked for any further documents so not sure if this a good sign either. Havent seen a hard search on my credit report yet - not sure on my partners.
Nervous that things arent going to go through as I've heard NW are being strict on all applications. 

I’ve emailed our MB today but she’s always extremely slow at replying and I’m getting worried something has gone a wrong. I can’t even track it online myself as it’s done via a MB. Any suggestions? 

Our valuation was carried out on the 22/07/2020 and uploaded on the system the same day. Took until the 29th for the valuation to be checked over by the underwriter and mortgage offer issued minutes later. All the texts came through within minutes of each other. 

Ok that’s not making me as worried thank you. What text messages do you receive? At the minute we have only received confirmation the application has been received and the survey being booked in. 

So we only had texts saying: application has been received and another saying the valuation was booked for 22/07/2020, we then had nothing until we got 3 in a row: Valuation received, valuation approved, mortgage offer issued. These messages all came one after another. I was so stressed because I had seen people on here who got their mortgage offer the same day as the valuation, but that wasn’t the case for us. We didn’t even have a hard search on Experian, Equifax or TransUnion and still don’t. We complete on Tuesday and we only for our mortgage offer yesterday.

Jade - so you’ve not had hard search showing on Equifax? I haven’t had 1 showing, only 3 soft searches, 1 being subsequent credit search. I keep checking thinking this will indicate when my app is being processed but still nothing.

Yeah we’ve had no updates on our credit file either. All I’ve had on my report is that my partner has been added as a financial association. Assuming this means the application is being processed as someone would have to action this. 

lancslass26

Jade - yes those are the same 3 we’ve had. Gives me hope that our file isn’t just sitting there then, each day I check file and still no further searches but now perhaps it’s being processed anyway.