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

getting-sorted-sarah

Chyna81 wrote: »

Hi Sarah,

My experience with Santander compared to others has not been bad at all.

Good luck:)

Thank you!!

roast

roast wrote: »

Long time since I updated.

Long story short found another house which after the survey we decided to walk away.

Found 3rd house, offered accepted.
28/04 Full application with Halifax
06/05 Valuation instructed - however, the asking price was keyed in incorrectly, 10k too much and the valuation can't take place until it's corrected, which I'm told will be a quick process so hoping the valuation will be booked in tomorrow.

12/05 Update from broker, Halifax are apparently having a nightmare with their systems, told the valuation will be booked the next 24/48 hrs.

19ardagh70

roast wrote: »

12/05 Update from broker, Halifax are apparently having a nightmare with their systems, told the valuation will be booked the next 24/48 hrs.

Sounds like you have been having a nightmare buying a house ! Hope this one goes more smoothly for you

Dilleyhead

Dilleyhead wrote: »

FTB 74% LTV, deposit from inheritance. 22yrs old, single application (absolutely bricking it) currently renting, tenancy ends 1/07

17/04 - AIP issued by Nationwide requesting more payslips etc (annoyingly fell on bank holiday)
22/04 - Mortgage application completed (text to confirm it has been received)
24/04 - text to say valuation is booked for 07/05!
07/05 - Estate Agent confirms the valuation has taken place
08/05 - text received for satisfactory survey

*twiddles thumbs*

and til I get a full mortgage offer? (then I will instruct my solicitor)

If they could let me know soon that would be grand! feels like a lifetime! and it's my birthday so it would be rude not to right?

bigjim1974

Dilleyhead wrote: »

If they could let me know soon that would be grand! feels like a lifetime! and it's my birthday so it would be rude not to right?

Still waiting for my offer from Nationwide too DilleyHead !

Dilleyhead

do we have any idea how long we will have to wait bigjim?

debbie1990

Update - I got an email from my broker this morning to say that our mortgage has been fully approved and I will get the offer by post in the next couple of days! 11 days from application to offer is really good isn't it? I honestly thought they would come back and ask for more info they (halifax) only needed 1 bank statement, 3 payslips and p60 - no absurd questioning around the new mmr rules, no asking what any transactions were for!

I'm so glad it's all over and done with!

Nyukins

bigjim1974 wrote: »

Still waiting for my offer from Nationwide too DilleyHead !

I had to wait 2 weeks after valuation. But they had made a mistake, so after a week of waiting I called them and they had failed to notice that my payslips had not been signed off, so it may be worth calling to check the progress. Nationwide were brilliant and really quick. The number I had was 0845 6093422 and I never had to even wait on hold when calling them!

Also - after getting the text saying I had an offer I called them immediately and they e-mailed me the offer so I didn't have to wait for the post to arrive to make sure it was the full amount

Wozza85

1st of January-Made offer on property
7th of February- Credit checked by Santander and all ok
14th of Feb - Sent docs to broker
27th Feb- Broker finally sends full application in!!!

Didnt hear anything pretty much all of March, just waited.

14th April-Questions about statements and charges on OH's statments
28th April-Same questions again, back of underwriting queue for another week

1st of May- Agreed, subject to valuation
6th of May-Valuation took place
9th of May-Valuation fine, gone to offer.

Now waiting on offer in post!

BlueberryB

BlueberryB wrote: »

Hi this is our time line so far.....

Off-plan New build HTB EL

Jan went to see a nearly completed new build, fell in love.


13/02- got a DIP from Nationwide
21/02- reserved our plot and paid reservation fee
12/03- received the ATP letter from htb agents.
21/03- Missives signed and returned along with £2000 builders deposit!
21/03- Got provisional get keys day- 2/10/14!

10/05- Full Application made to Nationwide (text saying it had been recieved)
12/05- Forwarded all documents to Broker including the 12m bank statements asked for!
12/05- Text from Nationwide, valuation has been booked for 13/05!:T

So excited but so very very nervous too!