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

lf93

So anxious waiting for reply from Newcastle Building Society. DIP via broker before Christmas, valuation done first week of Jan and all docs submitted. 
An issue flagged when they asked employer for reference - my pay is broken down into basic plus enhancements for out of hours work, which is contracted. HR said it wasn't guaranteed so had to redo the reference with different wording. They sent that back on Friday. Now just nail biting wait to hear back to see if what they wrote was adequate! No idea how long it will take. 

MandM90

Argh we are anxiously waiting too. Valuation done last week (14th) and still no news from Nationwide. Now in NI, where we used to live (London commuter town) for our previous two houses they just did a drive by! This is a house with approx 4.5 acres land in sticks so a bit harder to value, I guess!

Irishpearce26

Hoping we get some news tomorrow;
Virgin Money Mortgage - £285K
Porting existing mortgage and applying for additional £75k
DIP - 26th November
Application submitted - 23rd December 
Application reviewed and need Januarys payslip to show reduction in childcare costs - 31 December
Payslip submitted - 13th January
Valuation carried out - 13th January
Valuation report sent to solicitor - 18th January
Called Virgin for an update and is with underwriters with a target date of 20th January - 19th January

Does anyone have experience of porting and additional borrowing with Virgin?

Newhome2021

Hi, I created a thread but then saw this! 

Mortgage submitted to Halifax via MA on 18/01/21 (yesterday) nervous as my husband is the sole applicant (I’m a student nurse so no income atm).

Irishpearce26

Irishpearce26 said:

Hoping we get some news tomorrow;
Virgin Money Mortgage - £285K
Porting existing mortgage and applying for additional £75k
DIP - 26th November
Application submitted - 23rd December 
Application reviewed and need Januarys payslip to show reduction in childcare costs - 31 December
Payslip submitted - 13th January
Valuation carried out - 13th January
Valuation report sent to solicitor - 18th January
Called Virgin for an update and is with underwriters with a target date of 20th January - 19th January

Does anyone have experience of porting and additional borrowing with Virgin?

Confirmation of successful application and offer on its way - 20th January

Newhome2021

Halifax (S/O mortgage)

18/01/21- application submitted via MA
20/01/21- AIP approved 
20/01/21- £200 valuation fee taken from bank
20/01/21- 2 soft searches and a hard search on credit file (totally money free credit check) 
Awaiting decision from underwriter 

Sotts

7/12 AIP submitted
8/12 AIP agreed
11/12 full application
Lots of forms and questions
15/12 valuation completed
22/12 EWS requested
23/12 EWS provided
31/12 file passed for manual underwriting
More info requested
15/1. Bank randomly picks file for review
17/1 additional document requested

Meantime searches all back, contract signed and almost ready to exchange.   But still no offer.
This is shared ownership with Kent Reliance
Hopefully offer tomorrow

Sotts

I got my mortgage offer today 😍😍

chloeH95

Does anyone know when exactly NatWest do the credit checks as we applied on 14th jan and nothing showing on Experian yet 

Sotts

Newhome2021 said:

Hi, I created a thread but then saw this! 

Mortgage submitted to Halifax via MA on 18/01/21 (yesterday) nervous as my husband is the sole applicant (I’m a student nurse so no income atm).

Same position with me and my husband.  He has no income but i still had to put him on the application.  Some lenders insist on this