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

mrluke

Heres ours so Far with Santander

3rd/4th Feb we view house
5th Feb we make offer
5th Feb offer accepted
6th Feb Key money left
6th Feb make appointment for full application with Natwest
7th Feb ( wait is too long ) we go with Santander through broker
8th Feb meeting with broker , Hand over all documents etc
11th Feb instruct local solicitors
12th Feb - 12th March Various documents are resent/reproved/missing etc
12th March - Receive word that Mortgage has been officially approved/Valuation booked
13th March - We receive from solicitors draft contract/Land title/fittings form/Epc Etc ..
17th March - Valuation is completed
20th March - Valuation received / all is ok
7th April - Searchs are back and we go in and sign Contracts !
9th April - Money Requested from solicitors / Money paid via BACs Faster Payment
15th April - Set to Exchange ! ( We hope )

chriskellym86

mrluke wrote: »

Heres ours so Far with Santander

3rd/4th Feb we view house
5th Feb we make offer
5th Feb offer accepted
6th Feb Key money left
6th Feb make appointment for full application with Natwest
7th Feb ( wait is too long ) we go with Santander through broker
8th Feb meeting with broker , Hand over all documents etc
11th Feb instruct local solicitors
12th Feb - 12th March Various documents are resent/reproved/missing etc
12th March - Receive word that Mortgage has been officially approved/Valuation booked
13th March - We receive from solicitors draft contract/Land title/fittings form/Epc Etc ..
17th March - Valuation is completed
20th March - Valuation received / all is ok
7th April - Searchs are back and we go in and sign Contracts !
9th April - Money Requested from solicitors / Money paid via BACs Faster Payment
15th April - Set to Exchange ! ( We hope )

So it look a while with Santander then! eeek, a waiting for mine form them

mrluke

chriskellym86 wrote: »

So it look a while with Santander then! eeek, a waiting for mine form them

To be fair we was told 12 weeks was the average for a house purchase . I think we had a bit of a wait just due to some paperwork missing etc so got pushed through to the back ! .

All been smooth so far ! Touch wood

chriskellym86

12 weeks? God help! How long did yours take?

Lilly_RW

5/3 - Mortgage (With Abbey/Santander) AIP through IFA
6/3 - We provided IFA with requested information RE Mortgage
18/3 - Solicitors packs arrived requesting information RE Deposit and ID checks
20/3 - Mortgage comes back from Underwriters, all fine, Valuation (Provided by Abbey/Santander) booked for 31/3
31/3 - Valuation took place - All OK!
31/3 - Application offered!
04/04 - Received paperwork for Mortgage Offer but also Solicitors wanted more info.
07/04 - Provided requested info to solicitors.
08/04 - Confirmed no further input required from ourselves for the time being (Hoping thats pretty much it!)

So we're in limbo atm Ideally we would like to exchange on pay day (25th) and then complete/move a week later (2nd May) Is this plausible? Afaik the searches should be done by now and the solicitors have been in touch with the vendors solicitor.

Feels so close but yet so far! Is there a set time frame between Exchange and Completion or can it be any time?

chriskellym86 We're with Santander also and have had no issues so far! *touch wood* Check your MATs to see the status if you haven't already I can't post links cause am a newb sorry!

ccbrowning

ccbrowning wrote: »

Leeds is very slow! Chased today and it's moving slowly in the queue - expected that valuation will be instructed by the end of the week.

Update:
1 January- Got a DIP (technically a "mortgage certificate") from Coventry building society

In between we found a new build home that we liked (unexpected and weren't looking for a new build), which eliminated Coventry as an option.

20 March - Sent PIF and reservation form into Help to Buy agent for the Equity Loan Scheme
21 March - Reserved plot and paid reservation fee
22 March - Received ATP letter from Help to Buy agent
25 March - Did a formal mortgage application with Leeds Building Society, which was successful (first computer bit, not to underwriter yet). Broker has payslips, etc.
28 March - Full documents formally sent in to Leeds (25th was the step with computer credit check apparently).
11 April 2014 - Leeds asked for my last three months of bank statements. They already had these but it had been so long since submission of documents that they were now missing the last month. Documents provided.
14 April 2014 - The builder asked what was going on and I blamed Leeds.

TrixA

Update:

28/3 - Submitted full mortgage application with HSBC
10/4 - Call from underwriter to say mortgage application approved subject to valuation.
12/4 - Received mortgage offer in post.
22/4 - Valuation survey scheduled.

So pleased things are now moving.

mrluke

mrluke wrote: »

Heres ours so Far with Santander

3rd/4th Feb we view house
5th Feb we make offer
5th Feb offer accepted
6th Feb Key money left
6th Feb make appointment for full application with Natwest
7th Feb ( wait is too long ) we go with Santander through broker
8th Feb meeting with broker , Hand over all documents etc
11th Feb instruct local solicitors
12th Feb - 12th March Various documents are resent/reproved/missing etc
12th March - Receive word that Mortgage has been officially approved/Valuation booked
13th March - We receive from solicitors draft contract/Land title/fittings form/Epc Etc ..
17th March - Valuation is completed
20th March - Valuation received / all is ok
7th April - Searchs are back and we go in and sign Contracts !
9th April - Money Requested from solicitors / Money paid via BACs Faster Payment
15th April - Set to Exchange ! ( We hope )

15th April - Contracts not signed by sellers - postponed exchange until Wednesday/Thursday

supernothing

We are buying a new build with Help to buy-EL

December 2013 -Plot Resvered
21/3/14 PIF submitted for HTB
26/3/14 ATP received
11/4/14 Halifax mortgage submitted by broker
15/4/14 advised by Taylor a Wimpey valuation booked in for 16/4/14

sefilby

sefilby wrote: »

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
4th April - update My solicitors haven't received draft contracts from seller solicitors
10th April - NatWest Mortgage offer received!!!! :j

15th April - Searches Instructed