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

koneko

Second time round for us, put in app with Halifax after AIP approved at the end of October but full app was declined then our vendors lost the house they were buying so we've been waiting for the chain to reform.

28/10 - Offer accepted on house
--- Lots of bad things happened, waiting game for chain to reform ---
12/3 - Chain reformed and now complete, contacted Mortgage advisor and solicitor.
20/3 - AIP approved by Kensington
21/3 - Full app submitted
26/3 - Meeting with mortgage advisor to sign docs and pay survey fees

Waiting waiting waiting. Mortgage advisor said it would be about 3 days before we'd hear back on assessment (this was on thurs) so sitting crossing my fingers!

brenda10

andrewp35 wrote: »

got a call from Mb this morning 10 AM saying application has passed and has gone to final underwriting checks and should hear about survey today! naturally i thought that's great news. At 4:20pm he called me back and said the bank will offer me £194,000 and not the £200,000 that we got AIP for! how does that happen? We have had to send my partners feb payslip also now and hes appealing the decision.I don't feel confident at all now

Very stressful time for you, fingers X'd all goes ok with appeal.

JasonBrown83

Just to let everyone know Exchange of Contracts took place at 10:30 this morning and Completion will take place on 4th April!!!! :):):):):) To say we are over the moon is an understatement, we can't wait to move in!!!!

Shoey1610

22/1 AIP from broker
21/2 first viewing
23/2 second viewing
24/2 Offer made and accepted
26/2 Mortgage application put in with broker
28/2 Solicitors ready to go and mortgage application is with Santander
2/3 Application acknowledged by Santander and passed to admin queue
7/3 more docs requested, pushed to back of admn queue
12/3 doc rejected as broker hadn't put case number on. Resubmitted.back of queue.
20/3-28/3 lots of !!!!!!ing around, requesting blank page of payslip and us threatening to sack broker and call whole thing off. Seller getting slightly twitchy. Take a gamble and instruct separate homebuyers to reassure.

And today.....finally......application approved subject to valuation :T

Survey and valuation will be this week and Solicitor says we are on track to exchange to our agreed timescales (no chain).

I need a very large vodka and tonic after all that!

TeamMCS

Hey guys,

My house buying process is flying so far:

04-Mar-2014 - Offer Accepted + Mortgage process started
05-Mar-2014 - Solicitor Arranged
07-Mar-2014 - Building Survey Completed
11-Mar-2014 - Mortgage fully complete (!!)
14-Mar-2014 - Gas/Plumbing/Electrics Survey and certificate

Now everything is sitting with the solicitors

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
Just off the phone - New 'stuff' due to be looked at today.zzzzzzzz

02/04/2014 - Called. Confirmed offer has been agreed and is in the post. :T - What can go wrong now

sefilby

17th March - Application submitted
20th March - Phone call from Natwest Mortgage Centre; application ok but has been pulled for audit
25th March - Valuation Instructed booked for thusday
27th March - Valuation Survey carried out
1st April - Valuation received by Natwest
2nd April - Solicitor instructed
2nd April - Application has been sent to offer team

malky39

28/2 First viewing
14/2 Closing Date Offer Accepted
19/2 Mortgage App submitted by IFA with Halifax
22/2 Mortgage App approved and accepted.Added bonus am getting my stamp duty paid by halifax

saving2704

My broker confirmed on Mon that underwriting was fine, and the amount applied for was acceptable. Now just pending valuation! Seller has called me this morning to say that this is being done Friday.

Made the decision with my Sol that I wouldnt incur search fees until the mortgage offer is approved.

Fingers, toes and everything else crossed that it all goes to plan (eeeeeeek!) and that I can move beginning of May.

Good luck to all you other home buyers - I now understand why they say this is the most stressful time of your life! I certainly wasnt this stressed first time round!

Shoey1610

Can't fault speed now as agreed yesterday afternoon, valuation this morning and offered this afternoon! Phew! Waiting for DH to get home as he is the one in contact with broker and he is in a meeting, but can anyone reassure me that if the offer is in the post then there were no problems with the valuation or the broker would have said? The offer isn't going to arrive being 20k less or something?

I'm such a worrier!