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

shonaFTB

thank you @ circuit!

I know I have a long wait ahead of me, this is only the beginning and already nervous! I hope these next few weeks fly by! Good luck with your house move also.

Fingers crossed all goes well!

charleyroo

arghhh Nationwide are asking stupid bloody questions!!!

why do I want a 4 bedroom house?
what is the NI section on my payslip? arghhhhb

adzy77

Just wanted to give info on my situation with Nationwide for anyone who just applied, which has turned out really well and quick!

I applied last wednesday afternoon as a FTB with my partner, payslips and p60 were requested so I went into my local branch on the friday morning for them to copy and send in the copies. A couple of amendments were then required on their end (no input from me needed and didn't affect the offer) that took up yesterday, then this morning got a text and email to say They have now issued a formal offer. Overall it took 5 working days from start to finish which im very happy with. Just hope the rest goes just as smoothly

lou2003uk

lou2003uk wrote: »

I'm still waiting with natwest apparently it's with underwriters

Underwriters came back today to say passed all credit checks they have now asked for proof of our deposit (which is fine we have it) and asked the surveyors for a transcript of the home report ( Scottish sale) no idea what that means or how long it will take...

My MA says I can out my flat on the market for rental as all should be fine but I'm not so sure until I actually have the official offer!

Got a proposed conclusion date of 17/04. Here's hoping!

AimeeB88

Hi all,

Here's my story so far!!

08/02 - Saw house on Rightmove so booked viewing
12/02 - Viewed house, loved it!
13/02 - Saw MA, got an AIP approved, viewed house again, put in offer, rejected, put in second offer, rejected, put in third offer
14/02 - Third offer accepted House taken off the market. Appointment booked for 20/02 to see MA and select mortgage
15/02 - Took parents and inlaws to view the house
20/02 - Full mortgage application completed and solicitors instructed
26/02 - Satisfactory valuation completed
04/03 - Solicitors applied for searches
13/03 - Nationwide have issued our mortgage

oliel

Papers filled out with broker 20/2
Submitted to natwest 24/2
Mortgage agreed subject to refreshed home report 10/3
Home report refreshed and sent to lender 10/3
Still not got offer - entry date second week of April beginning to panic now.

lou2003uk

oliel wrote: »

Papers filled out with broker 20/2
Submitted to natwest 24/2
Mortgage agreed subject to refreshed home report 10/3
Home report refreshed and sent to lender 10/3
Still not got offer - entry date second week of April beginning to panic now.

Just shows how different processes are with the same people, I applied with natwest same time as you and I've had nothing agreed yet!

shonaFTB

MA rang us earlier and said everything has come back okay! Sooo...
13/03/2014- AIP agreed with Halifax!

They had to manually credit score each of my address as I had moved slot in the last few years but all is ok!

They would like to see proof of deposit and 3 months payslips each, full application to be done Monday but as it was already manually credit scored shouldn't need to be done again!

Brilliant! Now just to wait for the actually valuation and offer.

FINGERS CROSSED!

tom9980

tom9980 wrote: »

3/1 - view house, surprised how much we like it.
6/1 - view again.
8/1 - offers rejected.
16/1 - sealed bids.
17/1 - lose sealed bid.
24/2 - house comes back on market - offer accepted same day.
1/3 - view again to look at the issues pulled buyer had highlighted.
6/3 - Broker visits.
7/3 - Mortgage application made to NatWest

13/3 - application accepted and sent to underwriters

Kch

Shoey1610 wrote: »

Yes they came back to us on Friday and said needed an extra form that the broker didn't sendin:mad: so now waiting for them to check that new form and send to underwriters. What about you?

Have you any news on yours? I thought mine had been sent to underwriters on Monday but turns out hadn't! Spoke to MA and she said there was a query re type of survey. It's now been put in queue today. And the wait goes on....