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Anyone want to join me? Awaiting Mortgage decision...
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Same here, joining the 'It has taken us years to get here' club!clare19811 said:Our broker has put in our full application with Nationwide today. It's taken us years to get to the point where we might be able to do this so I'm very nervous about the whole thing! Our initial AIP was referred before being accepted so I'm hoping this might be a slight positive but we'll see!
18/06 - AIP
23/06 - Full application through broker (applying to HSBC) and docs sent.
25/06 - Offer of Employment sent as per HSBC request.
Our case is complex though I think as is a remortgage and it's my first mortgage (and house)!1 -
Hi all, thought I'd join the convo - our journey so far is in the footer. Honestly, this is so stressful! It's the perfect house, and like a lot of you we've been saving for years to get to this point. I think the worst part is not knowing what's happening most of the time. We haven't heard anything since we were notified of the hard searches, which does make you wonder whether they're doing anything with our application or if it's just been stuck in a queue somewhere.
Good luck everyone!10th June - DIP submitted
11th June - DIP referred to underwriter
12th June - Viewed house, offer made and accepted
14th June - DIP accepted and full application submitted
16th June - Valuation booked for 18th
18th June - Valuation completed - received text and email confirming the report had been received by Nationwide for review.
22nd June - Hard search (Transunion)
24th June - Second hard search (Equifax)
1st July - Extra documents requested and uploaded by Broker
9th July - Proof of Deposit requested and uploaded by Broker
12 July - Searches applied for
19th July - Problem with Proof of Deposit upload - reuploaded by Broker with narrative
19th July - Survey carried out
20th July - Offer issued - checked and confirmed by Broker
21st July - Contract checks complete
22nd July - Additional enquiries sent
23rd July - Survey report returned
27th July - Documents reviewed and okayed with solicitor
4th August - Searches back
31st August - Final enquiries back
8th September - Contracts signed
15th September - Deposit money transferred
28th September - Exchange
30th September - Proposed Completion1 -
Just got our mortgage offer today, can't believe its really happening! 👌🏼🥳🏡
No house valuation though apparently so straight to conveyancing stage! 😁2 -
Amazing news! Congratulations!FashionHeart said:Just got our mortgage offer today, can't believe its really happening! 👌🏼🥳🏡
No house valuation though apparently so straight to conveyancing stage! 😁House sale/purchase progress (we're selling our rental property and currently living in rented so no pressure to complete both on the same day).
2/6 - Accepted offer on our house.
15/6 - AIP in place with Halifax
18/6 - Offer accepted on our dream home!
19/6 - Solicitors instructed
23/6 - Broker applied for AIP with Nationwide to allow us 23 years due to hubby's age - AIP referred!
24/6 - AIP approved
5/7 - Full application finally in with Nationwide & valuation booked within 2 hours
6/7 - Valuation
12-13/7 - Hard credit searches on both of us with TransUnion (Credit Karma)
13/7 Hard search Equifax (ClearScore)
14/7 Proof of deposit requested in a different format
19/7 Gifted deposit form requested for non-sale part of the deposit - funds were from some inheritance, not gifted - deed of variation sent.
2/8 Text and email saying offer issued, details to follow in the post!
21/9 Exchanged on both properties
24/9 Completed on sale
14/10 Due to complete on purchase0 -
I keep having to rein myself in and try to stop obsessing, it really is stressful isn't it! I hope you hear soon, we're a little way behind you but also with Nationwide.E_D_FTB said:Hi all, thought I'd join the convo - our journey so far is in the footer. Honestly, this is so stressful! It's the perfect house, and like a lot of you we've been saving for years to get to this point. I think the worst part is not knowing what's happening most of the time. We haven't heard anything since we were notified of the hard searches, which does make you wonder whether they're doing anything with our application or if it's just been stuck in a queue somewhere.
Good luck everyone!House sale/purchase progress (we're selling our rental property and currently living in rented so no pressure to complete both on the same day).
2/6 - Accepted offer on our house.
15/6 - AIP in place with Halifax
18/6 - Offer accepted on our dream home!
19/6 - Solicitors instructed
23/6 - Broker applied for AIP with Nationwide to allow us 23 years due to hubby's age - AIP referred!
24/6 - AIP approved
5/7 - Full application finally in with Nationwide & valuation booked within 2 hours
6/7 - Valuation
12-13/7 - Hard credit searches on both of us with TransUnion (Credit Karma)
13/7 Hard search Equifax (ClearScore)
14/7 Proof of deposit requested in a different format
19/7 Gifted deposit form requested for non-sale part of the deposit - funds were from some inheritance, not gifted - deed of variation sent.
2/8 Text and email saying offer issued, details to follow in the post!
21/9 Exchanged on both properties
24/9 Completed on sale
14/10 Due to complete on purchase0 -
Congrats! Good luck with the rest of the process!FashionHeart said:Just got our mortgage offer today, can't believe its really happening! 👌🏼🥳🏡
No house valuation though apparently so straight to conveyancing stage! 😁10th June - DIP submitted
11th June - DIP referred to underwriter
12th June - Viewed house, offer made and accepted
14th June - DIP accepted and full application submitted
16th June - Valuation booked for 18th
18th June - Valuation completed - received text and email confirming the report had been received by Nationwide for review.
22nd June - Hard search (Transunion)
24th June - Second hard search (Equifax)
1st July - Extra documents requested and uploaded by Broker
9th July - Proof of Deposit requested and uploaded by Broker
12 July - Searches applied for
19th July - Problem with Proof of Deposit upload - reuploaded by Broker with narrative
19th July - Survey carried out
20th July - Offer issued - checked and confirmed by Broker
21st July - Contract checks complete
22nd July - Additional enquiries sent
23rd July - Survey report returned
27th July - Documents reviewed and okayed with solicitor
4th August - Searches back
31st August - Final enquiries back
8th September - Contracts signed
15th September - Deposit money transferred
28th September - Exchange
30th September - Proposed Completion0 -
It's probably going to be a slightly longer process for me though as it's on the conveyancing side now!E_D_FTB said:
Congrats! Good luck with the rest of the process!FashionHeart said:Just got our mortgage offer today, can't believe its really happening! 👌🏼🥳🏡
No house valuation though apparently so straight to conveyancing stage! 😁
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Finally get to join this thread!
Application for HSBC mortgage submitted Friday.
Now we wait.0 -
Welcome! Fingers crossed for an easy process!greensalad said:Finally get to join this thread!
Application for HSBC mortgage submitted Friday.
Now we wait.10th June - DIP submitted
11th June - DIP referred to underwriter
12th June - Viewed house, offer made and accepted
14th June - DIP accepted and full application submitted
16th June - Valuation booked for 18th
18th June - Valuation completed - received text and email confirming the report had been received by Nationwide for review.
22nd June - Hard search (Transunion)
24th June - Second hard search (Equifax)
1st July - Extra documents requested and uploaded by Broker
9th July - Proof of Deposit requested and uploaded by Broker
12 July - Searches applied for
19th July - Problem with Proof of Deposit upload - reuploaded by Broker with narrative
19th July - Survey carried out
20th July - Offer issued - checked and confirmed by Broker
21st July - Contract checks complete
22nd July - Additional enquiries sent
23rd July - Survey report returned
27th July - Documents reviewed and okayed with solicitor
4th August - Searches back
31st August - Final enquiries back
8th September - Contracts signed
15th September - Deposit money transferred
28th September - Exchange
30th September - Proposed Completion0 -
Mortgage app went in 2 weeks ago via broker. I'm self employed so I know it's likely to take longer and go through underwriters although broker doesn't seem concerned. My business wasn't impacted by covid, large deposit, years of account history, no credit etc so the signs should be good - waiting is the killer! Anyone else self employed waiting for mortgage decision/offer?28th April - MIP submitted and issued
23rd June - Offer Finally Accepted On A House!
23rd June - Full application submitted through broker
19th July - Mortgage offer received
23rd July - Draft contract received
26th July - Searches requested
2nd August - Survey completed0
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