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

dutting

kingstreet wrote: »

Timber & damp, electrical, gas, roofing, wall-ties, structural engineer's report...

Thanks, solicitors details show they've had damp proofing done just recently, I'm guessing the roof might be an issue as there are solar panels. We were waiting for mortgage approval to organise full survey as we've already had to start paying solicitor and paid for valuation and still not heard anything regards to getting the mortgage. Worried that we may get declined and have spent a small fortune of our savings to get nowhere.

ukbrockest

Harman83 wrote: »

Hi how did you find the process and what were your circs if you dont mind me asking as we will be applying with natwest shortly......so nervous! !!!

took 6 weeks from application to offer

However my Broker made a !!!! up on requested LTV, so everything was skewed

Due to complete on Friday 30th May

Wooohooo !!!!

Hayleyloulou

Hi everyone! Need to do this for own sanity!
AIP - 26th May
Offer accepted on same day!
Ful app - 27th May
Valuation booked - for tmro!
Moving quite quickly though I'm sure there'll be some hidden things!
I'm on a fixed term contract till December 2014, which has been renewed previously. 3 years continuous employment in similar industry with no gaps! Other half is permenant!
I'm really scared on how this will turn out lol!!
Good luck everyone

HOMESWEETHOME

Hayleyloulou wrote: »

Hi everyone! Need to do this for own sanity!
AIP - 26th May
Offer accepted on same day!
Ful app - 27th May
Valuation booked - for tmro!
Moving quite quickly though I'm sure there'll be some hidden things!
I'm on a fixed term contract till December 2014, which has been renewed previously. 3 years continuous employment in similar industry with no gaps! Other half is permenant!
I'm really scared on how this will turn out lol!!
Good luck everyone

Who's this with? Super fast reminds me of the days of BM Solutions

HOMESWEETHOME

Just found out after my mortgage has been in the queue with the under writers for 6 working days it has gone to be AUDITED....Fingers crossed!

getting-sorted-sarah

getting-sorted-sarah wrote: »

07/04/14 AIP
10/04/14 Saw property (new build)
10/04/14 Paid reservation fee
16/04/14 Received confirmation of reservation and exchange deadline of 29/05
24/04/14 Memorandum of sale received by MA
30/04/14 (?) full application made
06/05/14 Deposit paid to solicitor to start searches

Update:
14/05/14 MA says app has gone to underwriters

Another update:
19/05/14 MA advises a query over Tax Credit award that was sent to them 3 weeks ago
20/05/14 MA advises query over 'increased credit commitments' - no idea what they are talking about

UGH.

And another:
23/05/14 MA gets around to sending new information to Santander
28/05/14 Info gets to top of queue for being assessed again, according to website.

Twiddling tense thumbs.

Hayleyloulou

HOMESWEETHOME wrote: »

Who's this with? Super fast reminds me of the days of BM Solutions

With halifax. They've only asked for 1 months pay slips from each of us too which I'm quite concerned about - especially with my situation. Broker has everything from past 6 months anyway lol!
I know with halifax the valuation is done before the underwriting so I am nowhere near relaxed yet lol!!

Jes0rKah

Jes0rKah wrote: »

20-21/05 - Update from our Mortgage Advisor at Natwest - the underwriters are happy and have instructed the valutaion (taken the money for it too). Now we're just waiting for the valuation date text message!

28-05 - Still waiting for the date of the valution - apparently the surveyors are really busy in this area at the moment. Our MA @ Natwest is keeping an eye out for us (after me chasing her again yesterday - she'll be sick of me soon! :rotfl:)
I don't think I've ever disliked weekends/bank holidays like I do at the moment!

ukbrockest

Jes0rKah wrote: »

28-05 - Still waiting for the date of the valution - apparently the surveyors are really busy in this area at the moment. Our MA @ Natwest is keeping an eye out for us (after me chasing her again yesterday - she'll be sick of me soon! :rotfl:)
I don't think I've ever disliked weekends/bank holidays like I do at the moment!

looking good then - Nat West are more or less happy to lend you the money.

With mine, it was undervalued by £5k - luckily the vendor dropped £4k and I put the other £1K in.

I exchanged contracts today, money will come through tomorrow (Nat West require 7 days notice) ready for completion Friday - Good Luck

Jes0rKah

ukbrockest wrote: »

I exchanged contracts today, money will come through tomorrow (Nat West require 7 days notice) ready for completion Friday - Good Luck

Congrats on your exchange & hope the completion goes through without a hitch :T

I can't wait to get to that point, although I have a lot of stuff to get sorted before then (major house/garage clear-out & pack up of non essentials!) I'm looking forward to not paying rent!