We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Anyone want to join me? Awaiting Mortgage decision...
Comments
-
Hi guys! Excited to be joining here. Our full app went in last Thursday, valuation was this morning. Just waiting to hear now (Halifax).0
-
Just got my offer accepted. Im a doctor so my pay is complicated and the house is expensive. Hoping and praying they take all my income into account. 4.2x my fixed pay for last six months. 5.8x my basic pay.DIP 09/02/21
Offer on property 17/02/21
Offer accepted 18/02/21
Mortgage application submitted 22/02/21
Desktop valuation 22/02/21
Mortgage offer received 22/02/21
Solicitor instructed 23/02/21
Draft contract received and enquiries sent 02/03/21
searches back 08/03/21
Enquiries back 10/06/21
Exchanged 23/06/210 -
We have our DIP and our broker has submitted full application to THE MORTGAGE LENDER (TML)Solicitor details have been shared with estate agent - they have asked for £200 to start searches although I would rather wait for the outcome of application before doing so, does anyone agree this is the right thing to do ?Other than that, it’s just a waiting game. 190k property value. 38k deposit (some gifted). I have 2 ccjs that are settled and over 3 years old and our joint income is just under 50k a year, no existing debt or credit cards, so it’s just a case of crossing our fingers and hoping for the best.1
-
Keep us updated, our broker said we should hopefully have an update Monday. So fingers crossed.Syed114 said:
We had submitted full application to BOI on 9th February and valuation (seems to be desktop) has been carried out on 16 February. Waiting for response.chlo88 said:Hello
please can I join? Full application submitted to BOI on 08/2/21, valuation happened yesterday. Anyone any experience with BOI and how much longer we should have to wait?0 -
Good luck, Halifax were no bother for us. Ours was 4.8x basic pay, 4.1x with enhancements.hippocrates1 said:Just got my offer accepted. Im a doctor so my pay is complicated and the house is expensive. Hoping and praying they take all my income into account. 4.2x my fixed pay for last six months. 5.8x my basic pay.0 -
Are you a doctor?lf93 said:
Good luck, Halifax were no bother for us. Ours was 4.8x basic pay, 4.1x with enhancements.hippocrates1 said:Just got my offer accepted. Im a doctor so my pay is complicated and the house is expensive. Hoping and praying they take all my income into account. 4.2x my fixed pay for last six months. 5.8x my basic pay.DIP 09/02/21
Offer on property 17/02/21
Offer accepted 18/02/21
Mortgage application submitted 22/02/21
Desktop valuation 22/02/21
Mortgage offer received 22/02/21
Solicitor instructed 23/02/21
Draft contract received and enquiries sent 02/03/21
searches back 08/03/21
Enquiries back 10/06/21
Exchanged 23/06/210 -
Yes, also in a training post so was also worried with the temporary contracts etc.hippocrates1 said:.Are you a doctor?0 -
I’m a CT so my rota/ pay is the same for a year so hoping they don’t see it as a temporary contract. I only have a 10% deposit so I’m not getting my hopes up yet.lf93 said:
Yes, also in a training post so was also worried with the temporary contracts etc.hippocrates1 said:.Are you a doctor?DIP 09/02/21
Offer on property 17/02/21
Offer accepted 18/02/21
Mortgage application submitted 22/02/21
Desktop valuation 22/02/21
Mortgage offer received 22/02/21
Solicitor instructed 23/02/21
Draft contract received and enquiries sent 02/03/21
searches back 08/03/21
Enquiries back 10/06/21
Exchanged 23/06/210
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.9K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards