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

OandU

FTHophap said:

Hey 👋
Does anyone know the time from mortgage offer to receiving it in the post / solicitor receiving their version?

Halifax examples would be great thanks 👍

Probably revealing my ignorance here - but does the solicitor rely on the paper copy for proceeding with the sale? Do I need to add speed of the post to my list of worries? 

bearclaws

Hi everyone, I've been reading this thread for a few weeks and thought I'd finally contribute because my mortgage application is developing and I'm getting nervous! I'm a young FTB, sole applicant, want to borrow 75k, 70% LTV. It's been a tricky process as I'm currently a PhD student – I receive a tax-free stipend and lenders don't really like this, as it's not considered proper income, plus it's technically a temporary position (although you think a 3 year guaranteed income would be good) . I've been working with a broker and finally got an application in at a small building society and things look positive so far according to the discussions she's had with the lender. 

06/08 - Applied for DIP and referred 
07/08 - DIP approved and full application went in 
11/08 - Query regarding a bank account I don't use, answered
13/08 - Query regarding some income and deposit, answered

Now we wait! Fingers crossed!!! 

FTHophap

@OandU seems so, not sure if there are all digital transactions around but mine isn’t one 😅

@craig_87 cheers! Would be good to hear a second opinion 

EverythingIWant

AIP to Offer - 4 days! Absolutely over the moon after being turned away on the day of lockdown with another lender! 

lancslass26

EverythingIWant said:

AIP to Offer - 4 days! Absolutely over the moon after being turned away on the day of lockdown with another lender! 

No that’s just showing off!! 😂 Congrats 🥳 

HummingBird76

EverythingIWant said:

AIP to Offer - 4 days! Absolutely over the moon after being turned away on the day of lockdown with another lender! 

Congrats!   Who did you go with?

EverythingIWant

Thanks guys! I don’t like to show off but having waited 18 weeks for a mortgage offer in 2018 believe me I have been where some of the posters here have been!

And it was with Barclays! They seem either really long winded or super quick, nothing in the middle. Our case wasn’t exactly simple, apart from our income.

Hang in there people! 

Drawingaline

Just looked at the Santander timeline and they are responding to MB messages from monday today. Our replies to queries were sent on Wednesday so looks like they won't even be looked at until Monday. Hoping for the valuation report back early next week too. Beginning to get impatient now!

J4mesg

FTHophap said:

Hey 👋
Does anyone know the time from mortgage offer to receiving it in the post / solicitor receiving their version?

Halifax examples would be great thanks 👍

Usually a few days then 1st class post but escalate. Our MB got the lender to fax the offer over the following day from our email offer as timescales were tight.

firsttimebuyerlpl

@Drawingaline how long did it take from application to getting your survey done? Did you receive a text message ? We submitted our application with Santander on Tuesday but have heard nothing other than they have received our application