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

ohdarn

Is anyone waiting for a decision from TSB?
We've been waiting five weeks now and can't bear it anymore, thinking of abandoning the whole thing if we don't get an answer this week.
How quickly has anyone else's decisions come through? 

Atlantic2011

Thought I would join in as I’m still waiting for an offer from Natwest and it’s driving me crazy. Time line so far.....
23/10 AIP through broker and hard search on credit file.
30/10 Full application 
11/11 Valuation
13/11 Valuation report received by Natwest 
19/11 More info requested by underwriter and sent in.
Nothing since then, hoping we haven’t gone back to the bottom of the pile after having to send additional documents in.

Doodlebugs

Atlantic2011 said:

Thought I would join in as I’m still waiting for an offer from Natwest and it’s driving me crazy. Time line so far.....
23/10 AIP through broker and hard search on credit file.
30/10 Full application 
11/11 Valuation
13/11 Valuation report received by Natwest 
19/11 More info requested by underwriter and sent in.
Nothing since then, hoping we haven’t gone back to the bottom of the pile after having to send additional documents in.

Looking at the intermediaries site it looks like they are reviewing additional docs from the 19th, so hopefully you will hear soon. Our application was submitted on the 13th so not with the underwriters yet. 

Doodlebugs

1/10 - AIP with Natwest via broker, soft search done

13/11 - full application submitted

16/11 - valuation paid for and booked

19/11 - valuation completed
Now we are just waiting for it to go to underwriters (hopefully this week) and the valuation to report to come back ok 🤞🏻

Elwyn

I’m just starting to look at moving a home and was hoping for some advice on the process. I’ve never purchased a home so it’s all very new and very confusing.

I’ve outlined the background in a post a few days ago but essentially we would be looking for an adverse mortgage, with part of the deposit coming from equity in the home my wife owns and part coming from a gifted deposit which will be available in April.
We really like a plot in a new development we viewed last weekend. The house is estimated to be completed in 6 months.
What I’ve done so far is contact a mortgage broker who is looking into the feasibility of obtaining a mortgage with our circumstances. I have also organised valuations for our current home.
If the broker were to come back to me this week and tell me he thinks he can get us an offer, what should our next steps be?

fizzgog

Halifax
AIP approved 17.11.20
Payslips etc submitted 19.11.20
Sent to Underwriters 24.11.20

Now just waiting decision ...

Doodlebugs

Doodlebugs said:

1/10 - AIP with Natwest via broker, soft search done

13/11 - full application submitted

16/11 - valuation paid for and booked

19/11 - valuation completed
Now we are just waiting for it to go to underwriters (hopefully this week) and the valuation to report to come back ok 🤞🏻

25/11 - sent to underwriters 
26/11 - mortgage offer received

Good luck to those still waiting to hear! 

fizzgog

Hard search done today by Underwriters ... myself but not my wife ... but now waiting . . .. .

Awful feeling it been declined.

mistrihelen

Mortgage with Natwest
AIP done forever ago
Pre-7/12/20 Payslips etc supplied online in advance of mortgage appt 
7/12 phone mortgage appt - valuation paid for and hard credit check all done at the same time
10/12 email to say approved subject to valuation
11/12 email to say we have the mortgage offer as valuation has now come in

PicklePupPop

Hi thought I'd join in
We started off having an offer on principal with santander beginning of September. Partner SE and I'm not working currently. 
Had valuation 7th October and soft and gard checks done, bank statements submitted etc, accounts for previous years, statement from accountants. Got declined in the middle of November. Now going through process again with Halifax. This time our broker insisted they underwrite first, then make offer pending valuation. Had to jump through some hoops to get our info accepted but all us in now. Nervously waiting for a decision tomorrow. Wish us luck....