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

xxxmiwxxx

Hi! I’ve found this thread so I’m just glad I’m in a similar position to others but still in bits with waiting! 

My parter has a mortgage with Nationwide so following our brokers advice we have gone with them with me added on. 

I’m a contractor so knew it was going to be difficult anyway but now I think we are going to be rejected because of this! 

DIP in 09/08 and soft search on equivalent
Full app 10/08 
11/08 valuation booked 
14/08 valuation completed 
19/08 valuation report received and were fine. Requested further information about my employment, my contract and how long I’ve been contracting for. 

21/08 hard credit search

We haven’t heard anything since. Broker shared that he hasn’t got an update and has been trying to get hold of them. 

I’ve never been so anxious. 

xMeganCL

xxxmiwxxx said:

Hi! I’ve found this thread so I’m just glad I’m in a similar position to others but still in bits with waiting! 

My parter has a mortgage with Nationwide so following our brokers advice we have gone with them with me added on. 

I’m a contractor so knew it was going to be difficult anyway but now I think we are going to be rejected because of this! 

DIP in 09/08 and soft search on equivalent
Full app 10/08 
11/08 valuation booked 
14/08 valuation completed 
19/08 valuation report received and were fine. Requested further information about my employment, my contract and how long I’ve been contracting for. 

21/08 hard credit search

We haven’t heard anything since. Broker shared that he hasn’t got an update and has been trying to get hold of them. 

I’ve never been so anxious. 

Our application went in on the same day, also with Nationwide

Ralichkai98

Good evening,

I received my mortgage offer yesterday. My MB choose Santander. 

DIP 29/05
I received an SMS from Santander on 15/06
Then was 4 weeks of questions and requesting document. 

14/07 - Underwriter agreed subject to satisfactory valuation, Valuation booked on 29/07 

29/07 - Cancellation , rebooked on 3rd of August 

3/08 - Cancellation, rebooked on 10th of August 

10/08 - Cancellation again, final date 13th 

13/08 - Valuation done

21/08 - Report was sent to Santander 

01/9 - Mortgage offer issued

What a wait, what a stress! I am on cloud 9 !!!!!

azlaan2020

how long did people wait hear back from Tsb about a mortgage can someone share timeline please thanks in advance.

Drawingaline

Ralichkai98 said:

Good evening,

I received my mortgage offer yesterday. My MB choose Santander. 

DIP 29/05
I received an SMS from Santander on 15/06
Then was 4 weeks of questions and requesting document. 

14/07 - Underwriter agreed subject to satisfactory valuation, Valuation booked on 29/07 

29/07 - Cancellation , rebooked on 3rd of August 

3/08 - Cancellation, rebooked on 10th of August 

10/08 - Cancellation again, final date 13th 

13/08 - Valuation done

21/08 - Report was sent to Santander 

01/9 - Mortgage offer issued

What a wait, what a stress! I am on cloud 9 !!!!!

Even longer than me! The back and forth with questions is driving me mad. Our valuation was on 12th Aug, haven't heard anything back about it.  Just questions, questions, questions. And each time it goes back to a week wait. If they ask for anything next week rather than just saying yes or no I think I will be lose it.

söpöpöllö

Sigh, we're now getting hassled by the seller's EA, who is saying we never told them that we are selling our current property. We told them that during both of our viewings and have send them the details in writing twice. But of course we never told them.

sofsar

Iv been declined by NatWest due to affordability!! So annoying. Joint application and 30k income. 

Now thinking who else should I chose as nationwide don’t add families with children over 11 if they get tax credit 

CharFTB

sofsar said:

Iv been declined by NatWest due to affordability!! So annoying. Joint application and 30k income. 

Now thinking who else should I chose as nationwide don’t add families with children over 11 if they get tax credit 

Really sorry to hear this!  

ussdave

I thought others might be interested in our timeline.
NatWest 85% LTV (non-FTB)
18/08 - Applied through broker
19/08 - Hard search appeared on credit files
25/08 - Queries raised against some items on bank statement
03/09 - Mortgage offer received
Not as slow a turnaround as I was worried about.  Now to get all the other ducks lined up.

periwinkleperkins

periwinkleperkins said:

10-Aug Broker got DIP from Precise.

14-Aug Developer released new plots.

18-Aug Paid reservation fee. 

19-Aug Appointed conveyancer and applied to HTB. 

26-Aug Received ATP from HTB. Broker spoke to Precise BDM before submitting full application and advised wouldn’t meet criteria as had a 6 week break in employment in last 12 months. Broker requested new DIP through TFC / Vida Homeloans.  

28-Aug Received DIP from Vida Homeloans, full application submitted through TFC, app fee paid. 

Broker says we’ve had a “verbal accept” and should expect to hear more next week but feel so impatient and wondering when the (free) valuation will be booked and how quickly we’ll get an offer in our hands. 

Anybody else used TFC to package the application and Vida Homeloans as lender who can share experiences?

Anyway, keeping fingers crossed 🤞for good news next week.