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

ohdarn

Spyrothedragon said:

Hi there. We applied  with TSB on 24th October,  but haven't heard anything since. Anyone got an idea of their timescales? Our completion date is supposed to be 11th December.

We're waiting for TSB as well. Submitted everything over three weeks ago and still waiting.
They wanted a couple more details last week and we replied straight away but no one is scheduled to look at it again until 'sometime next week'.
They can only expedite an application if you're completion date is 48hours away.
Our completion date will be 18th December.
It's driving us nuts if we're honest, I don't know why they're accepting business if they can't process something in a reasonable time frame.
Good luck with it. 

keepthefaith2021

Madders99 said:

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 👍

Well done 👏 , mine also took 4 weeks, who was your provider if you don't mind me asking?

JKP1245

Very anxious about the whole process - we have had a hiccup two weeks down the line where MA sent the incorrect address for some of our application documents for property we are purchasing 😩 application was cancelled and resubmitted today - fingers crossed this hasn't delayed too much! 

fizzgog

Also waiting .....
Should really be posting in Mortgage Free Wannabee but no. Due to a bad purchase 11 years ago, we are house hunting again. Bought/downsized to an apartment ... but, with hidden costs,fees, maintenance costs I've lost a fortune. (never seen lease till 5 years after purchase)
However, found a buyer, found a house to buy and at 58 I'm having to apply for a mortgage. Got the AIP wednesday last week, had a 2 hour phone call this morning with Halifax advisor, went thro earnings,CC balances etc ...all fine. Just need to upload documents, Underwriter to verify everything and hopefully mortgage approved. Pay for search and set the ball rolling.

Hopefully timescale is pretty quick so hoping for January completion.

Never thought I'd be doing this again at my age.

hema123456789

niknaks0285 said:

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. 

Any news?

the online tracker has moved to the assessment stage but I am absolutely bricking it with the wait

mowgliisaG

hema123456789 said:

niknaks0285 said:

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. 

Any news?

the online tracker has moved to the assessment stage but I am absolutely bricking it with the wait

Hema, your SE? Applying with which bank?

hema123456789

mowgliisaG said:

hema123456789 said:

niknaks0285 said:

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. 

Any news?

the online tracker has moved to the assessment stage but I am absolutely bricking it with the wait

Hema, your SE? Applying with which bank?

Applying with natwest 

mowgliisaG

hema123456789 said:

mowgliisaG said:

hema123456789 said:

niknaks0285 said:

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. 

Any news?

the online tracker has moved to the assessment stage but I am absolutely bricking it with the wait

Hema, your SE? Applying with which bank?

Applying with natwest 

What kind of evidence have they needed so far? We are applying with Santander 

Katemb94

Anyone on here awaiting on santander please? All I've read everywhere is weeks and weeks of waiting we had valuation today has anyone recieved offer shortly after or had to wait in UW que 
I'm employed husband LTD company director 70% LTV 

Thank you 

retepetsir

Thought I'd call Virgin Money for an update this morning. Valuation was carried out yesterday and their SLA for document processing of any kind is around 6 days. So we'll need to see what happens next week....

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
05/11 - The valuation surveyor (Connells) called this morning to ask about property access and keys for a valuation survey. I'm the buyer not the seller so that's not a good start! Have provided the seller's details so hopefully that all goes ok. 
06/11 - Valuation of property booked in with vendor.
17/11 - Valuation report received by Virgin, awaiting review.