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

SierraRomeo30

Well the good news is that the broker messaged me just after 8 this morning, he says the lender has got confused and he explained our situation back to us (no errors, he knows where we stand). He’s going to speak with the underwriter today and hopefully that will clear up the confusion. I’m not relaxed yet, but I feel a smidge better. Fingers crossed!!

lancslass26

SierraRomeo30 said:

Well the good news is that the broker messaged me just after 8 this morning, he says the lender has got confused and he explained our situation back to us (no errors, he knows where we stand). He’s going to speak with the underwriter today and hopefully that will clear up the confusion. I’m not relaxed yet, but I feel a smidge better. Fingers crossed!!

That’s good news but slightly worrying how that could be taken so wrong 🤷🏻‍♀️

Trickster33

Good news indeed SierraRomeo , hopefully it’ll happen soon once they realise their slip up ! 

macca2424

So after getting fed up of being promised things had been chased up repeatedly and nothing happening I decided to ring pretty much everyone this morning to try and sort the mess that my application has become out. Submitted on June 16th to Barclays (standard HTB application, employed in NHS, no furlough, way within affordability etc) and the property still hadn't had a valuation booked in. Managed to get it booked for next week on the 13th so hopefully should have my offer soon after that. 

I'll be glad when its over.

SierraRomeo30

Wow Macca that is awful!

macca2424

SierraRomeo30 said:

Wow Macca that is awful!

I know. The main blame seems to be with Legal & General who had then valuation panelled out to them but Barclays don't seem to have done much to chase them up after both my broker and solicitor requested it be escalated.

SierraRomeo30

I am ecstatic to finally be able to say we have our offer!!! 🎉 FTB 90% LTV with Accord, full application to offer took 5 weeks and 1 day *phew*.

30th June - Offer accepted by seller

2nd July - DIP referred

2nd July - Full application submitted

2nd July - Soft Search

6th July - Hard Search

7th July - Valuation booked

13th July - Valuation

21st July - DIP approved subject to valuation and final assessment checks

21st July - Valuation confirmed as expected

6th August - Underwriter requested further information

6th August - Further credit search (not sure if hard or soft)

7th August - full offer received!

hannah2283

SierraRomeo30 said:

I am ecstatic to finally be able to say we have our offer!!! 🎉 FTB 90% LTV with Accord, full application to offer took 5 weeks and 1 day *phew*.

30th June - Offer accepted by seller

2nd July - DIP referred

2nd July - Full application submitted

2nd July - Soft Search

6th July - Hard Search

7th July - Valuation booked

13th July - Valuation

21st July - DIP approved subject to valuation and final assessment checks

21st July - Valuation confirmed as expected

6th August - Underwriter requested further information

6th August - Further credit search (not sure if hard or soft)

7th August - full offer received!

oh congratulations! nice to have it for the weekend

Lancs1234

SierraRomeo30 said:

I am ecstatic to finally be able to say we have our offer!!! 🎉 FTB 90% LTV with Accord, full application to offer took 5 weeks and 1 day *phew*.

30th June - Offer accepted by seller

2nd July - DIP referred

2nd July - Full application submitted

2nd July - Soft Search

6th July - Hard Search

7th July - Valuation booked

13th July - Valuation

21st July - DIP approved subject to valuation and final assessment checks

21st July - Valuation confirmed as expected

6th August - Underwriter requested further information

6th August - Further credit search (not sure if hard or soft)

7th August - full offer received!

Congrats! now to join in on the waiting to exchange thread on the house buying and selling forum 

Epsilon20

SierraRomeo30 said:

I am ecstatic to finally be able to say we have our offer!!! 🎉 FTB 90% LTV with Accord, full application to offer took 5 weeks and 1 day *phew*.

30th June - Offer accepted by seller

2nd July - DIP referred

2nd July - Full application submitted

2nd July - Soft Search

6th July - Hard Search

7th July - Valuation booked

13th July - Valuation

21st July - DIP approved subject to valuation and final assessment checks

21st July - Valuation confirmed as expected

6th August - Underwriter requested further information

6th August - Further credit search (not sure if hard or soft)

7th August - full offer received!

Yay!!!!!

very happy for you - it’s an incredible relief - enjoy your celebrations 🙌🏽