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

bearclaws

@Bells1111 glad to hear your valuation was fine! I’m at a similar stage as you, underwriting first and my valuation/survey has just been instructed so waiting for that to be booked. I’m sure you’ll get an offer if the survey came back fine! Good luck! 

mathdotrandom

xMeganCL said:

Good luck! I'm playing the Nationwide waiting game too. My application went in last Monday so I'm only on working day 7 at the moment. 
My valuation has been done and approved though so 🤞

Sounds like you're doing well. I submitted only two days after you and they haven't even booked a valuation yet - seems like some applications go into underwriting first and others direct to valuation stage. Took them until today (so 5 working days) to just process my gifted deposit form and ask for more information.

xMeganCL

mathdotrandom said:

xMeganCL said:

Good luck! I'm playing the Nationwide waiting game too. My application went in last Monday so I'm only on working day 7 at the moment. 
My valuation has been done and approved though so 🤞

Sounds like you're doing well. I submitted only two days after you and they haven't even booked a valuation yet - seems like some applications go into underwriting first and others direct to valuation stage. Took them until today (so 5 working days) to just process my gifted deposit form and ask for more information.

They haven't asked me for any more info yet. Can't decide if this just means my mortgage advisor has everything or if they've not even looked at my stuff yet 🙈

J4mesg

xMeganCL said:

mathdotrandom said:

xMeganCL said:

Good luck! I'm playing the Nationwide waiting game too. My application went in last Monday so I'm only on working day 7 at the moment. 
My valuation has been done and approved though so 🤞

Sounds like you're doing well. I submitted only two days after you and they haven't even booked a valuation yet - seems like some applications go into underwriting first and others direct to valuation stage. Took them until today (so 5 working days) to just process my gifted deposit form and ask for more information.

They haven't asked me for any more info yet. Can't decide if this just means my mortgage advisor has everything or if they've not even looked at my stuff yet 🙈

They may not ask anything. Got mine approved last week from our lender I. Didn't ask any Qs or ask for further docs and only 4 x soft searches on credit file.

xMeganCL

J4mesg said:

xMeganCL said:

mathdotrandom said:

xMeganCL said:

Good luck! I'm playing the Nationwide waiting game too. My application went in last Monday so I'm only on working day 7 at the moment. 
My valuation has been done and approved though so 🤞

Sounds like you're doing well. I submitted only two days after you and they haven't even booked a valuation yet - seems like some applications go into underwriting first and others direct to valuation stage. Took them until today (so 5 working days) to just process my gifted deposit form and ask for more information.

They haven't asked me for any more info yet. Can't decide if this just means my mortgage advisor has everything or if they've not even looked at my stuff yet 🙈

They may not ask anything. Got mine approved last week from our lender I. Didn't ask any Qs or ask for further docs and only 4 x soft searches on credit file.

Oh that's interesting! I've had 2 soft searches so fa.

dpenney22

dpenney22 said:

Joining the band wagon here because getting very nervous!

15/7: DIP through mortgage broker

20/7: Offer accepted on New build flat (already fully built and ready to move into) using HTB scheme

31/7: Full application via broker to Halifax

5/8: Proof of deposit of personal deposit and HTB deposit required

7/8: HTB authority to proceed recieved
9/8: Documents sent via broker to lender

13/8: Emailed both broker and estate agent for update, broker said will be another week at least to hear anything and that they will know when valuation has been booked in, estate agent said valuation booked in for 18th august (tomorrow!!) broker obviously didn't know this information

Now just waiting for the valuation and hoping we should recieve offer after this! I am on furlough but my other half (joint mortgage) has a lot greater salary than me and would cover the mortgage on his own so I'm assuming this is why I haven't been questioned on this further!

I am in a rented flat with my tenancy up on the 20th September and really hoping things start to move quicker so I don't have too much of a gap between homes!!

So heard from the broker today that the valuation came back at the price offered so that is good, he also said Halifax has said: The valuer has made additional comments on the report. We will contact you once these have been reviewed and provide any next steps that may be required"

Has anyone else experienced anything like this?! making my nerves worse not sure what additional comments could mean!

Thanks

olumz1

Process90 said:

End of week 5...

Still waiting for HSBC to pull their finger out.

HSBC finally did right by me.
Here is my time line;
Full application 90 LTV direct to HSBC - 9th July
Requested for further ID verification - 9th July
Took drivers licence to the branch - 10th July - the branch requested I come in with my passport
Took the passport to the branch - 13th July
Adviser requested account showing salary payment as I just recently changed employment - 13th July - submitted same day
Valuation - 22nd July
Mortgage approved - 13th August
The long wait is finally over.  I wish everyone else on the queue success. 

bearclaws

Just got word my valuation won’t be until the 3rd Sept! I booked the homebuyers alongside the valuation via my mortgage lender and now am wondering if I should have just gone privately, or if I would have had to wait this long for the lender if they needed a physical valuation anyway. Not sure whether to call and ask or just wait, it’s only 2 weeks but I was hoping it would be next week tbh 😬

lemliss

We got out offer via text yesterday so have to await it in the post fingers crossed it matches house price. 
30 working days from application to offer, been a long wait x

Lipstick99

Had to drop TSB as they did desktop and said it was £10k overpriced. Broker appealed but they want evidence of 3 properties at similar price. Theres only 11 in the street!
So new application in with Nat West who do physical valuations. Extra payslip and bank stayement going in tomorrow. 
!!!!!!!