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

FTHophap

@J4mesg I'm less worried about my version, more concerned about the Solicitor receiving theirs to review and send to me to sign!
But thanks, good to know.
Newbuild, Lease has been signed, and deposit over, so fingers crossed the mortgage deed doesn't cause any issues and I can get those keys.

Drawingaline

firsttimebuyerlpl said:

@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 

Two weeks. But we had a call after one week from the EA to say it was booked, surveyors in this area are backed up, and they wanted to do a physical valuation. Our buyers mortgage survey was done the day before so similar timescale. Didn't actually hear from Santander about it though.

We have had two queries from them, but are using a broker so have come through them. Only message direct from Santander was the one saying application received.

Process90

End of week 5...

Still waiting for HSBC to pull their finger out.

craig_87

FTHophap said:

@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 

My mortgage advisor rang Halifax this morning, they are going to re issue the paperwork to me and the solicitor. Said we should receive early next week. Not sure what the delay or issue was tbh. 

Lipstick99

narryslilo said:

First Time Buyers 
DIP - 22 July
Full application - 23 July 
Valuation - 3 Aug, which came back fine 

Still waiting for an actual offer, starting to get pretty nervous now. Trying to get Nationwide 90% Mortgage.

Im in similar position  and timeline with TSB. They wanted clarification on Freehold, as obv only checked Leasehold. Nothing from broker since!
Not sure which order TSB do things isnt helping my nerves. Assume desktop valuation but no idea.
Its been a long 3 weeks. 

Nikusar88

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 👍

 Mortgage app on the Monday (with Halifax),confirmed by the Thurs. Letter received following Weds 

FTHophap

Thanks! @craig_87 @Nikusar88
Received mine today (slightly wet and entirely underwhelming), the Solicitor hasn’t responded yet, hopefully they got theirs too!

28tsw

Lipstick99 said:

narryslilo said:

First Time Buyers 
DIP - 22 July
Full application - 23 July 
Valuation - 3 Aug, which came back fine 

Still waiting for an actual offer, starting to get pretty nervous now. Trying to get Nationwide 90% Mortgage.

Im in similar position  and timeline with TSB. They wanted clarification on Freehold, as obv only checked Leasehold. Nothing from broker since!
Not sure which order TSB do things isnt helping my nerves. Assume desktop valuation but no idea.
Its been a long 3 weeks. 

My broker said they do it in 3 phases at TSB. Valuation, processing and then underwriting. The processing bit is apparently where they get everything ready for underwriting. Our buyer is over 4 weeks and waiting on final thing to be checked that was asked for yesterday, escalated several times but don’t think it will be seen soon. 

meachybee

Finally getting to post here!
We are home movers looking to get the unicorn that is a 90% mortgage from HSBC. We had our appointment today and now went to under writers. 
Our timescale is:
01/07 original AIP with Halifax
02/07 view forever home and put in offer (rejected due to not having an offer on current house)
21/07 offer accepted on sale of house
21/07 offer accepted on purchase of forever house
28/07 independent mortgage broker appointment (advised suitable for HSBC but broker currently unable to obtain) 
29/07 AIP and appointment booked to apply with HSBC mortgage broker.
14/08 appointment with HSBC goes well and now through to underwriters. 

We are a relatively simple case (permanently employed ,working straight through lockdown) so hopefully not too much longer to wait. Asked at the appointment and rough timescale of 10 working days. We are in Scotland so hopefully the home report valuation should be ok or else the wait might be a bit longer.

foreverhome3

For anyone looking for Halifax application times, here is my timeline:

05/08/2020 AIP and application submitted
14/08/20 valuation carried out
14/08/20 mortgage advisor confirmed offered and will be receiving in next few days

It has been very smooth and no further information requested despite myself being affected by furlough, returned on full hours 01/08/20. So was expecting a lot of questions or information, super excited now!
70% LTV might have helped.
Good luck everyone still waiting!