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

somerlouise

söpöpöllö said:

@somerlouise I'm an EU citizen and I get paid in foreign currency, and we got our mortgage from HSBC. Took around five weeks but we got there in the end. 

That’s really good to know- our broker said HSBC was his recommendation as they are ‘used’ to dealing with cases like ours. 

Madhouse2_2

We’re into the tumble weed stage now I think 😩

but here is our NatWest timeline so far

FTB 85% LTV 
Offer accepted 1/9/2020
AIP NatWest 3/9/2020
Full application submitted NatWest 3/9/2020
Hard Credit check 3/9/2020
Valuation instructed 10/9/2020
Initial documents ticked on tracker (Payslips, bank account statements) 14/9/2020
Valuation completed 15/9/2020
Additional pre Covid payslip ticked on tracker 15/9/2020
Original furlough letter from employer ticked on tracker 15/9/2020
Valuation report marked as received on tracker 16/9/2020
Return to work letter ticked on tracker 21/9/2020

and now we wait .....................

JustJane101

Hello all!!!

I am somewhat nervous, sick to my stomach, and a little excited to be joining this thread again. I had a house purchase fall through back in March, which was a massive downer for me. I am so determined to get onto the property ladder though. Neither of my real parents own their own home, and neither do any of my siblings, so it really will feel like a first!

House viewed -24/09

DIP - 25/09

Offer placed - 29/09

Offer verbally accepted - 29/09

As soon as my solicitor sends me the go ahead, we start the mortgage process proper. I have given my mortgage advisor all the info she needs, and the house is 20k cheaper than the last - and i'm putting 10% more deposit down. Very anxious, I haven't even told my partner I've got to this stage yet after how much stress I put him through last time!!! I think I'll avoid telling him until I have an offer on the table, if we get that far.

Strum88

Hi all,
Here is our timeline:
19/9 - We accepted an offer on our house, and had our offer accepted on the house we'd like to purchase
21/9 - Full mortgage application made with Halifax. Valuation paid for also
26/9 - Valuation complete and Mortgage offer sent
30/9 - Still waiting for offer to come through, but our buyers surveyors are viewing our property on 2/10

So far so good, cant believe how quickly the mortgage has gone through. nervous now on tour buyers valuation/survey on Friday. Hopefully this comes back ok.

ftbhoping

Here’s our timeline for Santander, we’re both self employed via Ltd businesses and applied through broker.
26/8 - DIP and full application 
9/9 - Valuation instructed
15/9 - Physical valuation
15/9 - Valuation received by Santander 
22/9 - questions from underwriter 
22/9 - questions answered and submitted via broker
30/9 - mortgage offer issued

Frances13

Here’s our timeline for Nationwide, we are both permanently employed:
27/7 - Offer accepted
28/7 - Advised earliest appointment was 30th but kept chasing for cancellations
12/8 - DIP and full application 
10/9 - Valuation instructed and questions from underwriter, responded to immediately
15/9 - Valuation date changed to 17th
16/9 - Further questions from underwriter, responded to immediately
17/9 - Valuation carried out
21/9 - Valuation received by Nationwide
1/10 - Still waiting......

fragality

RPF1992 said:

According to MA, Halifax have accepted all paperwork and are happy but can’t make formal offer as they’re still waiting for a date for valuation... Anyone else heard of this before? 

How long is the wait for valuations at the moment? It seems as though they’re seriously delayed! Purchasing in North London. 

Hi
have you got the mortgage approved  at the end? Same situation here...

fragality

a6 said:

Our Halifax application was submitted on 16/07. Recieved word that it's now with the underwriter who is querying what seem to be a couple of minor details. Does anyone know at what stage the underwriters come in? Is this post-credit check and pre-valuation?

Same here...have you been approved? What was the timeline?

fragality

Strum88 said:

Hi all,
Here is our timeline:
19/9 - We accepted an offer on our house, and had our offer accepted on the house we'd like to purchase
21/9 - Full mortgage application made with Halifax. Valuation paid for also
26/9 - Valuation complete and Mortgage offer sent
30/9 - Still waiting for offer to come through, but our buyers surveyors are viewing our property on 2/10

So far so good, cant believe how quickly the mortgage has gone through. nervous now on tour buyers valuation/survey on Friday. Hopefully this comes back ok.

Wow in just 5 days! My app with underwrites for 2 weeks now...

fragality

periwinkleperkins said:

Does anybody else get really anxious when you’re approaching the end of the day, and you were told you’d hear something but you haven’t?

First we were told we’d hear Thursday, then Friday and then today... but still no closer other than knowing the lender has the valuation survey and is making their last minute checks 🤷‍♂️

We were fully credit checked 3 weeks ago, initial underwriter approval 2 weeks ago,  valuation was a week ago, not sure my nerves can hold out much longer 😔 

Yes me too...