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

hopeofahome

Yes its absolute torture, see my post.

hopeofahome

https://forums.moneysavingexpert.com/discussion/6213238/mortgage-lending-disgrace-very-unfair#latest

jrrrrj

CosmosDad said:

Hey,

Our timeline with Halifax via Habito below:

06/11 - Applied for mortgage via broker

06/11- Soft & hard searches done (2 each)
09/11 - Desktop valuation was booked in for 11/11

10/11 - Offer received via broker 

Still blown away how quickly everything was sorted - all in all it didn't even take 3 working days!!

We had some very bad experiences with HSBC and Metro Bank before, so can't recommend Halifax and Habito highly enough.

Good luck everyone!!

I’ve had the same with Trussle. 8 working days from application to offer. 

CosmosDad

jrrrrj said:

CosmosDad said:

Hey,

Our timeline with Halifax via Habito below:

06/11 - Applied for mortgage via broker

06/11- Soft & hard searches done (2 each)
09/11 - Desktop valuation was booked in for 11/11

10/11 - Offer received via broker 

Still blown away how quickly everything was sorted - all in all it didn't even take 3 working days!!

We had some very bad experiences with HSBC and Metro Bank before, so can't recommend Halifax and Habito highly enough.

Good luck everyone!!

I’ve had the same with Trussle. 8 working days from application to offer. 

Yayyy - congrats!

I'm still in shock...

jrrrrj

CosmosDad said:

jrrrrj said:

CosmosDad said:

Hey,

Our timeline with Halifax via Habito below:

06/11 - Applied for mortgage via broker

06/11- Soft & hard searches done (2 each)
09/11 - Desktop valuation was booked in for 11/11

10/11 - Offer received via broker 

Still blown away how quickly everything was sorted - all in all it didn't even take 3 working days!!

We had some very bad experiences with HSBC and Metro Bank before, so can't recommend Halifax and Habito highly enough.

Good luck everyone!!

I’ve had the same with Trussle. 8 working days from application to offer. 

Yayyy - congrats!

I'm still in shock...

I think we all build ourselves up and there’s a lot of pressure so when it comes through, the relief is overwhelming haha.

Now for the conveyancing 😂 

CosmosDad

jrrrrj said:

CosmosDad said:

jrrrrj said:

CosmosDad said:

Hey,

Our timeline with Halifax via Habito below:

06/11 - Applied for mortgage via broker

06/11- Soft & hard searches done (2 each)
09/11 - Desktop valuation was booked in for 11/11

10/11 - Offer received via broker 

Still blown away how quickly everything was sorted - all in all it didn't even take 3 working days!!

We had some very bad experiences with HSBC and Metro Bank before, so can't recommend Halifax and Habito highly enough.

Good luck everyone!!

I’ve had the same with Trussle. 8 working days from application to offer. 

Yayyy - congrats!

I'm still in shock...

I think we all build ourselves up and there’s a lot of pressure so when it comes through, the relief is overwhelming haha.

Now for the conveyancing 😂 

So much built up anxiety, especially because we had so many issues...

We're pretty much set conveyancingwise - only waiting for the local searches and management pack, which are both delayed because of the cyber attack on Hackney Council

hema123456789

Still waiting....today is valuation day so 🤞🏽

Loub10

ChonkyChops said:

Just found out that our mortgage application was sent to the wrong underwriter...
As a contractor, there are specific underwriters that review these cases, but my case was sent to the "standard" underwriter and is now requesting documentation that is not required when applying as a contractor. Incredibly frustrated, as our buyers want to complete soon. Awaiting to see what will happen now that our amazing broker is talking to the bank to find out whats happening.

That's awful! I'm wondering if it's worth talking to your broker about switching to another lender after all the issues you encountered. My husband is a SE contractor ( we had a complex case as his job is based abroad, so had to change his contract from €-£ and Halifax accepted previous € contracts). 
Deapite the added challenges we managed to get our mortgage offer within 4 working days thanks to our broker.
I hope you don't have to go to the back of the que again ☹ 

hema123456789

Seen on our tracker that natwest have seen the valuation. Really hoping to get an offer ASAP as it feels like it’s been outstanding forever!

niknaks0285

hema123456789 said:

Seen on our tracker that natwest have seen the valuation. Really hoping to get an offer ASAP as it feels like it’s been outstanding forever!

I'm in the same position with natwest! Valuation paperwork sent through on monday afternoon. I'm hoping to hear soon as well. Remortgaging seems far less stressful to me than getting a new mortgage for moving house.