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

Paulaviki

Ok I feel like I can join in now!

AIP - 18/01/14
First viewing - 09/03/14
Offer accepted 10/03/14 :T
Solicitors picked 10/03/14

Tomorrow I shall make an appointment to do the mortgage application. Even though we have the AIP I'm terrified we won't get the mortgage for some reason! I guess that's normal though.

Can't believe this is actually happening!!!

Shoey1610

Kch wrote: »

It's gone to the underwriters today! Broker reckons should hear back within three, possibly two days! So nervous can't help feeling really negative about it though

That's great news! Have fingers crossed for you

Please let mine go to underwriting soon!

Shoey1610

Paulaviki wrote: »

Ok I feel like I can join in now!

AIP - 18/01/14
First viewing - 09/03/14
Offer accepted 10/03/14 :T
Solicitors picked 10/03/14

Tomorrow I shall make an appointment to do the mortgage application. Even though we have the AIP I'm terrified we won't get the mortgage for some reason! I guess that's normal though.

Can't believe this is actually happening!!!

I feel exactly the same, even though we have applied for 30k under the AIP and nothing has changed to my knowledge.

onewhoasks

onewhoasks wrote: »

Still waiting for a decision from HSBC, I think they must be still catching up after the system problems.

Finally have our mortgage offer today, one month after submitting paperwork etc. Very pleased.

Paulaviki

Shoey1610 wrote: »

I feel exactly the same, even though we have applied for 30k under the AIP and nothing has changed to my knowledge.

Yeah we are about £20-25k under the maximum we were offered under the AIP from Nationwide and Halifax. I keep checking the online calculators to maker sure we've not gone wrong!

We saw a couple of lenders (no official mortgage advisor but my sister's boyfriend is a mortgage advisor so using him!) and have options to go with several. We've got it down to Natwest or Nationwide. Just waiting for natwest to confirm if they'll up their previous offer as it was £5k under what we need now as we discussed cheaper houses in the meeting. If they say no it will be nationwide! Both have same rates and similar fees/costs but we'd rather go with Natwest as we already bank with them and Nationwide want us to switch our current accounts to them.:undecided

Green_grass

JennGa wrote: »

So even though we have our offer both by email and post, the solicitor is still waiting for a search, due back on the 20th! Gah! Why wasn't this mentioned before?!

Same as us, local authority taking 10 working days to complete searches!!!! Just when you think your making progress someone slams the brakes on!:(

MentalMinnie

MentalMinnie wrote: »

28/02 Further info required by the mortgage company.
06/03 Valuation taking place

07/03 full mortgage offer approved, however need it have a damp and timer report done
10/07 mortgage offer received by solicitors
10/03 Searches started
10/03 Deaft contract received by solicitors

JennGa

Green_grass wrote: »

Same as us, local authority taking 10 working days to complete searches!!!! Just when you think your making progress someone slams the brakes on!:(

So frustrating! There was a discrepancy to do with the water supplier :huh: so something had to be redone. I was a bit surprised so didn't ask any of the right questions while I had solicitor on the phone :mad:
Now aiming to exchange on the 21st, 10 days behind schedule!

StuartR50

Aip with Halifax 24/02
Offer submitted and accepted 08/03
Full application submitted 10/03

saffythecat_2

saffythecat wrote: »

Anyone buying & selling?

AIP 10th Feb
House up for sale 17/2/14
Full asking price offered 21/2/14
Solicitors instructed for sale 24/2/14
View house for purchase 2/3/14
make offer on house offer accepted 3/3/14
Mortgage appointment booked for 11/03/14!

I feel soo nervous

appointments at 3.30pm hopefully the sun is shining is a good sign