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

soak

Our full timeline:


22/02/2014: View new build
24/02/2014: Meet broker, DIP with Nationwide
26/02/2014: Reserve new build
03/03/2014: Help to buy (Scotland) submitted
04/03/2014: Help to buy approved (very quick!)
11/03/2014: Full mortgages application with 6 months bank statements and 1 month payslip (nothing else asked for, don't even bank with them)
14/03/2014: Valuation booked
17/03/2014: Valuation takes place
19/03/2014 at 16:00: Text to say valuation satisfactory
19/03/2014 at 16:01: Text to say offer in post!!! (yes, 1 minute later)




Delighted! These boards prepare you for the worst, but it was incredibly smooth sailing and stress-free for the most part. Nationwide have been great! Only 6 working days from full application to offer. Looking at completion next month when its ready

saving2704

soak wrote: »

···

Delighted! These boards prepare you for the worst, but it was incredibly smooth sailing and stress-free for the most part. Nationwide have been great! Only 6 working days from full application to offer. Looking at completion next month when its ready

6 days! I wish mine would be that quick! My MA didn't suggest Nationwide but that may be because I don't have a big enough deposit...

Shoey1610

saving2704 wrote: »

6 days! I wish mine would be that quick! My MA didn't suggest Nationwide but that may be because I don't have a big enough deposit...

I wish mine was 6 days too, we are waiting to hear any day now, Santander have confirmed they have all the documents they need and that it is with underwriters. Today I'm feeling just fed up with the whole thing.

Our broker isn't the best - I think next time I'll just dump my principles at the door, as I thought it best to use someone local to keep money in local area. To be fair, fee isn't payable until completion for broker, but they aren't very pro active.

Today is the first day our lovely rental has seemed more appealing than all this waiting. Maybe I'll just go and spend the deposit on a very flash new car...

lky2k23

lky2k23 wrote: »

28/02/2014 - House appears on rightmove
01/03/2014 - We're 1st viewers and get 2nd offer accepted
02/03/2014 - The Coventry MIP now flagged and passed to underwriters
04/03/2014 - Coventry call, all fine, application in post
06/03/2014 - Mortgage app. and all documents sent next day deliv.
12/03/2014 - Valuation booked for 24/03/2014
14/03/2014 - Called to chase - More stuff requested & sent
17/03/2014 - Called to chase - More stuff requested & sent (marriage cert. 2yrs p60 from both of us, and proof of address for 2+ years)
19/03/2014 - New 'stuff' not on system yet

Came home last night with a request for 17/03 data, and also certified passports - why didn't they say this over the phone?!?

saving2704

I've seen so many comments about people having a MPI with Natwest then being offered less when the full offer comes. I'm sick with worry now!

Has anyone had an MIP from Natwest then been offered the same amount on a full offer?

oliel

oliel wrote: »

im in exactly same boat as you 3 1/2 weeks till move day and still not heard - survey carried out on 10/3 looked at 13/3 apparently back with underwriters again - Broker says next couple of days - I hope so im getting so anxious.

Broker phoned yesterday - Mortgage offer on its way and all agreed - yipee! Just need to get missives concluded now.

kingstreet

saving2704 wrote: »

I've seen so many comments about people having a MPI with Natwest then being offered less when the full offer comes. I'm sick with worry now!

Has anyone had an MIP from Natwest then been offered the same amount on a full offer?

The NatWest agreement in principle is just an affordability check, with no credit search.

It is not until full application they get the full picture.

Brokers who apply using the MTE system get a fully-scored decision, but not via the NatWest website, or direct AFAIK.

ukbrockest

kingstreet wrote: »

The NatWest agreement in principle is just an affordability check, with no credit search.

It is not until full application they get the full picture.

Brokers who apply using the MTE system get a fully-scored decision, but not via the NatWest website, or direct AFAIK.

Did my application with Nat West 3 weeks ago today after AIP.

Not heard anything from Nat West whatsoever - apparently earliest it will be looked at is Fri 21st, my MB is frustrated too.

What will be, will be I guess - but I am not wasting anymore time thinking about - I just want to know YES or NO

lou2003uk

ukbrockest wrote: »

Did my application with Nat West 3 weeks ago today after AIP.

Not heard anything from Nat West whatsoever - apparently earliest it will be looked at is Fri 21st, my MB is frustrated too.

What will be, will be I guess - but I am not wasting anymore time thinking about - I just want to know YES or NO

im the same as you , been told yesterday they would be looked at by friday phoned again today and they have advised me it may be tuesday as they have a back log.... nightmare. My MA tells me nothing i phone them direct

ukbrockest

lou2003uk wrote: »

im the same as you , been told yesterday they would be looked at by friday phoned again today and they have advised me it may be tuesday as they have a back log.... nightmare. My MA tells me nothing i phone them direct

Well I have a Case number - what number do you use?

Thanks