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

hughes1497

Help! I’m frustrated beyond belief! 

Offer accepted on house 31/06
Mortgage application went in to Nationwide 14/07 (previously went to Barclays but fell through)  

Valuation booked and provided same day 17/07
Questions from nationwide re paying loan off - provided answer same day as well as proof 20/07 

10/08 - application escalated by BDM via MA
14/08 - only waiting for valuation to be ticked off now (Despite being told by nationwide directly on 31/07 that it was okay) 
17/08 - still waiting mortgage offer

will the waiting ever end 

28tsw

Anyone know how long for TSB to review requested documents? I have a feeling it’s two weeks?

xMeganCL

I'm playing the waiting game for Nationwide. 
Full app submitted after DIP granted 10/8
Valuation booked 11/8
Valuation received 17/8
Valuation reviewed and accepted 17/8

FTBin2020

My partner and I are both FTB applying for a Mortgage with Natwest VIA a brooker, we're using the help to buy equity loan so only required a 75% LTV. Currently playing the waiting game! Here's our time line so far:

31/07 - DIP done by brooker accepted
05/08 - Full application submitted
12/08 - Payslips requested and sent
14/08 - Valuation requested and booked for 24/08
17/08 - Payslips marked as success on tracker. Proof of gifted deposit and confirmed of our loan payments requested (These were all sent to brooker at the start so they replied right away).

We haven't had our bank statements requested yet! I'm assuming this pay happen after they review the proof of gifted deposit? Only time will tell - although nerve racking!

tk02

I’ll join you all! The wait is literally killing me, I’m not the most patient 😂
we got aip 3 weeks ago and put our application in on the same day. The surveyor came out last Wednesday but still not heard anything back. We’ve applied with the post office 

msfaye

msfaye said:

First Time buyer, 33% deposit, borrowing 67%
Habito AIP issued in May
03/08 Viewed house
03/08 Best offer made (11k above asking price)
06/08 Agent told us offer accepted late afternoon
06/08 submitted all mortgage docs in Habito
07/08 instructed solicitor, agent sent formal sales memo, Habito recommended NatWest, 5 Year, 1.6 interest rate
11/08 Habito finished reviewing docs and confirmed they have all they need
13/08 Habito submitted full application to NatWest
14/08 Tracker indicates that NatWest is reviewing our docs 
17/08 Tracker shows that ‘A valuation has been instructed and we are now awaiting your client's survey report.’

Updates today 

hughes1497

hughes1497 said:

Help! I’m frustrated beyond belief! 

Offer accepted on house 31/06
Mortgage application went in to Nationwide 14/07 (previously went to Barclays but fell through)  

Valuation booked and provided same day 17/07
Questions from nationwide re paying loan off - provided answer same day as well as proof 20/07 

10/08 - application escalated by BDM via MA
14/08 - only waiting for valuation to be ticked off now (Despite being told by nationwide directly on 31/07 that it was okay) 
17/08 - still waiting mortgage offer

will the waiting ever end 

Update... we got our mortgage offer today! In total 34 days from application to offer!

izoomzoom

Brilliant news @hughes1497

lancslass26

@hughes1497 congratulations- fab news. We’re 3 days behind you since applying with NW so hopefully not too much longer to wait 🥳

MaryNB

MaryNB said:

31/07/20 Offer accepted on house 
Spent a week faffing around with Equifax because they messed up my credit file over a simple Electoral Roll correction.
10/08/20 Got an updated AIP & booked a mortgage appointment
12/08/20 Halifax mortgage appointment & application submitted (2 hours after Equifax fixed my credit file). Payslips submitted, ID checked at branch. Soft & hard credit searches.

Fingers crossed...

13/08 Valuation instructed
18/08 Product fee paid. No further info from me required. Halifax confirmed the only thing outstanding is the valuation. Excited!