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

jrrrrj

Loub10 said:

Loub10 said:

Long time lurker, first time poster here. Finally ready to add our timeline. Husband is self employed contractor, applied to Halifax via broker, using HTB. 
18/9 AIP via broker
20/9 Reserved house.
5/10 sent HTB app
16/10 HTB amendments requested.
28/10 called HTB for update (4 hour call que), was told they had lost our entire application. Escalated case and got our ATP same day. 
29/10 Full mortgage app submitted. Hard and soft credit checks.
30/10 Valuation booked for 3/11.
Nerves are shot waiting for decision!

Update- we had our valuation today and our broker called us this eve with our mortgage offer! 
In total it's been 4 working days from full application to offer with Halifax via broker. Definitely wasn't expecting such speedy process. Good luck to everyone on this rollercoaster!

That is amazing, congratulations. I have my valuation tomorrow by desktop. I’m hoping mine is a fast as yours! 

Loub10

jrrrrj said:

Loub10 said:

Loub10 said:

Long time lurker, first time poster here. Finally ready to add our timeline. Husband is self employed contractor, applied to Halifax via broker, using HTB. 
18/9 AIP via broker
20/9 Reserved house.
5/10 sent HTB app
16/10 HTB amendments requested.
28/10 called HTB for update (4 hour call que), was told they had lost our entire application. Escalated case and got our ATP same day. 
29/10 Full mortgage app submitted. Hard and soft credit checks.
30/10 Valuation booked for 3/11.
Nerves are shot waiting for decision!

Update- we had our valuation today and our broker called us this eve with our mortgage offer! 
In total it's been 4 working days from full application to offer with Halifax via broker. Definitely wasn't expecting such speedy process. Good luck to everyone on this rollercoaster!

That is amazing, congratulations. I have my valuation tomorrow by desktop. I’m hoping mine is a fast as yours! 

Good Luck! I hope it's quick for you 🙂

jrrrrj

Loub10 said:

jrrrrj said:

Loub10 said:

Loub10 said:

Long time lurker, first time poster here. Finally ready to add our timeline. Husband is self employed contractor, applied to Halifax via broker, using HTB. 
18/9 AIP via broker
20/9 Reserved house.
5/10 sent HTB app
16/10 HTB amendments requested.
28/10 called HTB for update (4 hour call que), was told they had lost our entire application. Escalated case and got our ATP same day. 
29/10 Full mortgage app submitted. Hard and soft credit checks.
30/10 Valuation booked for 3/11.
Nerves are shot waiting for decision!

Update- we had our valuation today and our broker called us this eve with our mortgage offer! 
In total it's been 4 working days from full application to offer with Halifax via broker. Definitely wasn't expecting such speedy process. Good luck to everyone on this rollercoaster!

That is amazing, congratulations. I have my valuation tomorrow by desktop. I’m hoping mine is a fast as yours! 

Good Luck! I hope it's quick for you 🙂

Literally just had the offer through!

jrrrrj

jrrrrj said:

First time update on mortgage application with Halifax:
23/10 AIP
23/10 Full application submitted 
26/10 Valuation booked 04/11
28/10 MA says they’ve spoken to the underwriter and as long as valuation is ok, a mortgage offer will be sent within 48 hours....

Update!

04/11 - Mortgage offer through with Halifax after the valuation was brought forward by one day (unbeknown to me!) and had the offer through at 09:42 this morning.

From application to offer, 8 full working days.

retepetsir

Time for me to join in...I haven't gone via a broker:

21/10 - Received DIP from Virgin Money
26/10 - Sent full application and payslips/P60s
29/10 - Received call from Underwriter with a couple of questions, all apparently looked ok. Advised that the valuation survey was being instructed and it could be a desktop one.
03/11 - Desktop valuation was booked in
04/11 - Called today to find that there wasn't enough data to carry out a desktop valuation, so they need to do a full survey and will be contacting the vendor

I'm hoping the valuation doesn't throw up any issues!

ChonkyChops

Natwest is being INCREDIBLY slow in comparison to some of the above timelines. Anyone else struggling to get new information or updates from them?

AW1980

ChonkyChops said:

Natwest is being INCREDIBLY slow in comparison to some of the above timelines. Anyone else struggling to get new information or updates from them?

I’ve not found this, we’re at valuation stage. Did you apply via broker? How long ago? 

ChonkyChops

AW1980 said:

ChonkyChops said:

Natwest is being INCREDIBLY slow in comparison to some of the above timelines. Anyone else struggling to get new information or updates from them?

I’ve not found this, we’re at valuation stage. Did you apply via broker? How long ago? 

Application was submitted on 12th October and yes, we're with a broker who has said that Natwest are just being very slow at the moment. It could also be that I'm self-employed, and I guess it's difficult to settle when a good few other Natwest applicants seem to have been going quite quickly. 

AW1980

ChonkyChops said:

AW1980 said:

ChonkyChops said:

Natwest is being INCREDIBLY slow in comparison to some of the above timelines. Anyone else struggling to get new information or updates from them?

I’ve not found this, we’re at valuation stage. Did you apply via broker? How long ago? 

Application was submitted on 12th October and yes, we're with a broker who has said that Natwest are just being very slow at the moment. It could also be that I'm self-employed, and I guess it's difficult to settle when a good few other Natwest applicants seem to have been going quite quickly. 

We submitted on 19/10 but not self employed

endangered_newt

ChonkyChops said:

AW1980 said:

ChonkyChops said:

Natwest is being INCREDIBLY slow in comparison to some of the above timelines. Anyone else struggling to get new information or updates from them?

I’ve not found this, we’re at valuation stage. Did you apply via broker? How long ago? 

Application was submitted on 12th October and yes, we're with a broker who has said that Natwest are just being very slow at the moment. It could also be that I'm self-employed, and I guess it's difficult to settle when a good few other Natwest applicants seem to have been going quite quickly. 

I'd suggest being SE is the contributing factor. We're in week 3 and my partner is SE.