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

AW1980

Nile_E_Coyote said:

Nile_E_Coyote said:

Applied on the 10th. Documents sent a week later.

Rbs tracker has marked then all as ticks 'this action is complete'. Not sure if this means theyre acceptable or whether we will receive questions on then later.

The bottom says we have instructed a valuation report and will await survey results.

Waiting game.

Got my approval subject to valuation today.

Hi, how long did it take from getting a tick against payslips and approval subject to valuation? 

Nile_E_Coyote

AW1980 said:

Nile_E_Coyote said:

Nile_E_Coyote said:

Applied on the 10th. Documents sent a week later.

Rbs tracker has marked then all as ticks 'this action is complete'. Not sure if this means theyre acceptable or whether we will receive questions on then later.

The bottom says we have instructed a valuation report and will await survey results.

Waiting game.

Got my approval subject to valuation today.

Hi, how long did it take from getting a tick against payslips and approval subject to valuation? 

2 days later. Same day they ticked off payslips they asked for proof of deposit and said instructed valuation.

I uploaded the proof of deposit same day. Next morning that was ticked off. Then the next morning (2 days after payslips) we got email saying approved subject to valuation.

AW1980

Nile_E_Coyote said:

AW1980 said:

Nile_E_Coyote said:

Nile_E_Coyote said:

Applied on the 10th. Documents sent a week later.

Rbs tracker has marked then all as ticks 'this action is complete'. Not sure if this means theyre acceptable or whether we will receive questions on then later.

The bottom says we have instructed a valuation report and will await survey results.

Waiting game.

Got my approval subject to valuation today.

Hi, how long did it take from getting a tick against payslips and approval subject to valuation? 

2 days later. Same day they ticked off payslips they asked for proof of deposit and said instructed valuation.

I uploaded the proof of deposit same day. Next morning that was ticked off. Then the next morning (2 days after payslips) we got email saying approved subject to valuation.

I’ve only got payslips ticked. Nothing about proof of deposit. Did you apply through a broker? 

ChonkyChops

ChonkyChops said:

Natwest 75% here, self-employed contractor. Current timeline:
Broker DIP: 09/10
Hard Credit Check: 09/10
Valuation Fee Paid: 12/10
Valuation Booked: 16/10

Seems to be going smoothly at the moment!

Valuation received: 23/10
Awaiting decision still at this stage, and Natwest seem to be taking quite a while with ours, in comparison to some other applicants here. Finding it difficult to relax these days and not check the tracker every hour!

Nile_E_Coyote

AW1980 said:

Nile_E_Coyote said:

AW1980 said:

Nile_E_Coyote said:

Nile_E_Coyote said:

Applied on the 10th. Documents sent a week later.

Rbs tracker has marked then all as ticks 'this action is complete'. Not sure if this means theyre acceptable or whether we will receive questions on then later.

The bottom says we have instructed a valuation report and will await survey results.

Waiting game.

Got my approval subject to valuation today.

Hi, how long did it take from getting a tick against payslips and approval subject to valuation? 

2 days later. Same day they ticked off payslips they asked for proof of deposit and said instructed valuation.

I uploaded the proof of deposit same day. Next morning that was ticked off. Then the next morning (2 days after payslips) we got email saying approved subject to valuation.

I’ve only got payslips ticked. Nothing about proof of deposit. Did you apply through a broker? 

No, direct with RBS. 3 weeks ago tomorrow.

Madders99

Just received our Mortgage Offer!!!! 🎉
MIP - 29th September
Full Application - 30th September
7/8 queries all satisfied - 5th October
Valuation Instructed - 17th October 
Valuation Carried Out - 29th October
Mortgage Offer - 30th October

4 weeks from Application to Offer. Good luck everyone 👍

anthonyha

Offer Today! Thought it would never happen. 13 weeks from application, Barclays Springboard. 

penino

We received our mortgage offer this evening from Natwest!😃
AIP 14/10
Full Application 15/10
Valuation 27/10
Mortgage offer 30/10

Nicnoc1981

I was going to join this forum yesterday to sit in the mortgage decision 'waiting room'. 
My timeline:
27/10Contacted a broker who pulled our info together, looked at credit reports and obtained an AIP with the Halifax within about 2 hours of the phone call. Over the next couple of days all paperwork sent to them to get the full application together (they do pre-underwriting)

30/10 (Friday)

Full application sent in at around 3pm. 

2/11 (Monday) 

Full offer letter in my email inbox forwarded from the broker before 11am. I was pretty shocked that it:

• went through that quickly
• got accepted at all. We couldn't 'count' my partners salary as not enough evidence as a recent self-employed position. I also had a fairly substantial amount deducted from my wages for a few months (DEA for tax credits). We also had a little bit of adverse but nothing so bad to be declined on their own. 

I think my broker, although expensive, really did do brilliantly! 

tervozina

Still waiting on a mortgage offer
05/10 Full application with Natwest through a broker
27/10 Valuation done
We asked for HomeBuyer survey together with mortgage valuation so I think that is why it took so long. 

29/10 our mortgage broker called Natwest to ask about offer and they said it should be issued within 48 hours though at the same time they said that payslips were not ticked, but my broker said everything is ticked in her tracker and she received an email confirmation saying “approved subject to valuation”. 

No offer so far today, broker tried calling them but couldn’t get through, spent over an hour on the phone and then lines closed. 

Did anyone else experienced waiting for an offer for a long time?
A bit worried now as well that my husband could be furloughed (he works in car dealership) but seems like his company is arguing with Government about that.