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

Eviesmummy

Survey began at 8.30 this morning, morgage offer issed at 11.30.
WOHHOOOOO!:j

Alex_88

Alex_88 wrote: »

So we got a phone call on 29th March saying we have the offer but it will take 2-3 weeks to be sent out. Its nearly 3 weeks and we are STILL waiting for it! Heard from MA last week trying to sell us buildings insurance and she said our offer is currently with the packaging department and we should recieve it early this week (well that hasn't happened) Tried ringing the MA today and she's on A/L until the 28th!

Anyone else had to wait this long?? I'm not a very patient person

Called the mortgage centre today and they told me our application went to final offer on 14th April and was posted out, but we still haven't received it so they are posting it out again today to both us and the solicitor. So fingers crossed it comes through in the post this week!

Lilly_RW

We're currently being held up by some 'right of way' issues with our property Our Solicitors have instructed the local council to make amendments to our Deeds that guarantees the right of way to our own house. Has anyone had to deal with this in the past and know how long it should take?

Apparently this is the only thing holding up exchange and we were keen to complete on May 2nd. Is this now unachievable?

supernothing

supernothing wrote: »

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

Update

22/4/14 Mortgage offer arrived in post this morning!!

Just have to wait till September now till the house is built

dannyp86

dannyp86 wrote: »

AIP via mortgage broker with Natwest a couple of weeks ago (not great credit)
Looked at a few houses, saw one we really liked on 15th April
Offer accepted same day 15th
Met mortgage broker on 17th to finalise all documents and to pay Natwest valuation fee.
All paperwork received from solicitors via e-mail, printed filled in and extra documentation sent via post on 19th April
Now waiting....

22/4 E-mail from mortgage broker, saying she has checked Natwest's timescales today and it will be 5 working days to start a new case, a bit confused, is this just backlog??

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.zzzzzzzz02/04/2014 - Called. Confirmed offer has been agreed and is in the post. :T - What can go wrong now

Exchanged today! Due for completion next Tuesday.

ukbrockest

dannyp86 wrote: »

22/4 E-mail from mortgage broker, saying she has checked Natwest's timescales today and it will be 5 working days to start a new case, a bit confused, is this just backlog??

yes massively behind - I had to wait weeks, countless times to the back of the queue too after supplying docs that i had supplied originally!

julesds

Hi everyone

Been reading the thread for a little while, starting to get nervous:

Story for far..

28/02/14 - initial meeting with mortgage advisor to discuss options
06/03/14 - put flat on market
28/03/14 - 2nd viewing, can tell they are gonna make an offer
31/03/14 - 2nd offer accepted
05/04/14 - after looking at 5th house see house I like
07/04/14 - buyer of flats mortgage is accepted
11/04/14 - DIP in place with Nationwide for 2nd viewing and 2nd offer accepted.
14/04/14 - meet with mortgages advisor to complete application. MMR questions now in place, but advisor does not think this will be an issue
23/04/14 - valution booked. Had call from surveyor requesting email address to send t&cs, left email address on voicemail - hopefully this won't be an issue....

So tomorrow hopefully things will go smoothly.

My mortgage on my flat does not end until 30/06/14 and huge fees if I leave early... Hopefully this should work out.

I keep reading negative stuff about Nationwide and MMR, but so far... No issues

julesds

Eviesmummy wrote: »

Survey began at 8.30 this morning, morgage offer issed at 11.30.
WOHHOOOOO!:j

Very exciting, congrats!

My survey is tomorrow... Fingers crossed for a similar result...

shaniannie

shaniannie wrote: »

Mortgage app went in today, so here's our timeline:


Wednesday 26/3/14 Our house on market
Friday 28/3/14 Offer on our house
Saturday 29/3/14 More viewings on our house
Monday 31/3/14 Accepted offer on our house (cash buyer)
Friday 4/4/14 Viewed house to purchase (empty house)
Saturday 5/4/14 Offer accepted on house to purchase
Monday 7/4/14 Purchaser's survey booked for Thursday 17/4
Thursday 10/4/14 All paperwork to fill/sign received from solicitor
Friday 11/4/14 Broker paid, app gone in to Halifax
.

Monday 14/4/14Paperwork taken to solicitors and paid £200 deposit for searches. Valuation fee taken by Halifax.

Tuesday 15/4/14Halifax completed valuation

Thursday 17/4/14Re-submit a couple bits of paperwork Halifax said didn't scan properly. Valuation received in the post, agreeing with our offer.

---

VERY long bank holiday weekend

---

Tuesday 22/4/14 broker expected to hear by end of today. Phone call at 8pm saying he had a couple of snags - offer came back a bit lower, but he added something they hadn't taken into account, and then the computer said yes straight away! He said paperwork should be with us in a few days.

Does that sound like the way the Halifax system works? Can I actually sleep tonight???????