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

rorb10

rorb10 said:

Full application submitted to Accord today.
I've come off the mortgage at my family home and partner is FTB.
I've got debts so a bit nervous but slightly optimistic as my partner goes back to work next month and with her income, she has no outgoings and I'm currently paying all bills, rent and my debt at the moment so with her income, we'd be able to pay the mortgage twice over every month, hopefully Accord see it like thaat too. 

Valuation booked for 25/03.

Does anyone know if this is part of the process or is it a good indication that we'll get the mortgage?

Ab28

Hello!
26/02 offer accepted
02/03 mortgage app sent to Barclays 
03/03 more documents requested and sent
12/03 more documents requested and sent
15/03 Barclays email to say they’re arranging valuation on property. 

My husband is self employed hence extra documents needed. 

Does anybody know how Barclays are doing their valuation. Whether it’s virtual or by going to the property? Thanks!

Mollydog112

I just wanted to update in case it’s useful to anyone else - we got our offer through today - we are thrilled! It took a week from receipt of our valuation because it turns out NW needed an extra document to verify my partners annual bonuses. Good luck to everyone who is still waiting! I have my fingers crossed for you all.

sister98

Hi! 

09/03 - DIP with TSB. Referred.
11/03 - DIP approved.
16/03 - Full mortgage application submitted to TSB via Mortgage Broker.
16/03 - Alert from Credit Karma. Hard Credit Search completed by TSB.
Any idea how long TSB are taking to process mortgage applications currently? Will I also be subject to another Hard Credit Search by them? 

TIA.

steph2901

Three years after moving and saying I'd never do it again, here I am, waiting for a mortgage decision to move
10/3 DIP
16/3 Full application went in with Accord
We've been told by our mortgage advisor that we'll have a decision within 48 hours, fingers crossed!

misslolu

misslolu said:

Oooohhhh, I didn't know there was a thread for people awaiting their mortgage decisions, I'll jump in!
30/01 Offered on a property
01/02 Offer accepted
18/02 Sellers found property
25/02 mortgage application submitted
26/02 Denied & submitted with another lender
01/03 Hard search & valuation booked
03/03 Valuation today!!!
08/08 Decision from lender?!?!

I'm still waiting for the decision, spoke to my broker today and she said she's hoping for an update today or tomorrow. Fingers crossed!!!

jtowns90

Hey just had offer accepted just getting documents sorted! Bit worried on my bank statements that I have spent 400 pound over 3 months gambling, will this be an issue when trying to get a lender? 

J4mesg

jtowns90 said:

Hey just had offer accepted just getting documents sorted! Bit worried on my bank statements that I have spent 400 pound over 3 months gambling, will this be an issue when trying to get a lender? 

Generally gambling will be a concern for lenders. I stopped 6 months prior to going for mortgage. 

misslolu

misslolu said:

Oooohhhh, I didn't know there was a thread for people awaiting their mortgage decisions, I'll jump in!
30/01 Offered on a property
01/02 Offer accepted
18/02 Sellers found property
25/02 mortgage application submitted
26/02 Denied & submitted with another lender
01/03 Hard search & valuation booked
03/03 Valuation today!!!
08/08 Decision from lender?!?!

I got my mortgage offer on the 22nd yay me!

ka1sar

first time buyer

£260k purchase price

£39k deposit (15%)

applied to Halifax through a whole market broker

aip: 29/03/2021

full application: 30/03/2021

valuation booked: 31/03/2021

valuation completed: 01/04/2021

query from underwriters: 01/04/21 (response issued through broker same day)

mortgage offer: 06/04/21

Broker stated if it wasn’t for the underwriter query i would have been offered the mortgage on 01/04