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

Dlg77

desperate_times wrote: »

Anyone any recent experience of Santander. Just about to have mortgage and valuation and wondering how long they normally take from valuation to offer?

there is already a post about santander delays etc. This will give you an indication of whats currently going on at santander.

desperate_times

Dlg77 wrote: »

there is already a post about santander delays etc. This will give you an indication of whats currently going on at santander.

Thanks will try to find it. So far they seem quite quick. Just wondering how much longer now after valuation.

bedfordshireboy

bedfordshireboy wrote: »

17/06 - went direct to Skipton, they advised several errors / missing basic info from broker - confirmed phone numbers, job title etc over the phone.


18/06 - broker advised 12 months statements required for accounts that have only been opened 3 months (cash isa transfer), now need to order statements for my closed Natwest Isa which will probably take another week! Plus another 4-5 working days for Skipton to assess the additional info = another 2 weeks in total.


19/06 - feeling royally chuffed off and about to tell them where they can stick it - lost all motivation...plus I'm delaying the seller so now I feel guilty that I'm holding things up.


It's been nearly 1 month since I submitted my application and I feel like I'm hitting my head against a brick wall.

23/06 - valuation instructed for 26/06
24/06 - I advise my broker of the above - surely it should be the other way round!!!!


Finally getting there, fingers crossed on the valuation - should be back early next week!

kerri_dfw

Small progress today

25-4-14 make offer on house
28-4-14 offer accepted
1-5-14 aip and application to Kensington

I can't remember the middle dates but searches and enquiries conducted and satisfied
Kensington keep asking for more and more documents to be sent to them. Send across to our broker.

24-6-14 building survey done
26-6-14 mortgage approved pending valuation and valuation booked

Nyukins

3rd April - First house viewing
4th April - Second house viewing - Offer places and accepted
5th April - Met with Estate Agents for affordability check
5th April - Online MIP made and received from Nationwide
7th April - Solicitors instructed
9th April - Mortgage application made online with Nationwide
24th April - Home buyers survey completed and e-mailed report to us that day
7th May - Mortgage Offer received
2nd June - Exchange of contracts
27th June - Completion! Getting keys this afternoon

Exactly 12 weeks after making the offer we are moving in. Thanks to this forum for really helping me through the tough and scary parts!

Good luck to everyone else who is going through it now... You'll get there in the end!

*Kat*

23rd June: Offer Accepted
25th June: Application with Halifax, everything checked and OK, but asking for bank statements for last 3 months as proof of deposit

Now Im scared. We needed £5,950, we had £4,500 in that account forever, but the rest we deposited in from other savings/investments, and a gifted amount from parents.

Should I be worried? I really need some advice and reassurance. It feels like forever waiting and it's only been two days.

Apparently we're in some kind of pilot scheme so should get a response within a week.

Do you think we'll be decilned?

mai_taylor

14/06/2014 - AIP from Leeds
16/06/2014 - Offer accepted
21/06/2014 - Mortgage advisor filled out some online forms, didn't take copies of any ID, told us we've done as much as we can for now but have no idea what the next step is or what we're waiting for!

Bluebunny

Bluebunny wrote: »

6 May - Offer accepted on house
13 June - DIP from Nationwide & full app submitted
16 June - Valuation booked for 17 June
17 June - Valuation completed and satisfactory
17 June - futher information requested and sent to broker.
19 June - Broker confirmed receipt
23 June - Received our original paperwork back from broker
24 June - Solicitors confirmed searches Ok, posting our contracts today

received the contracts from the Solicitors, but no more news from L&C or Nationwide, was hoping to have heard from Nationwide by now as they seem to be working quite quickly at the moment......
Vendor is asking for exchange dates (Tuesday will be 8 weeks since house offer, but due to issues with previous mortgage app (YBS) we are a little behind)
Have chased L&C today, they had a note on file to call Nationwide on Monday, so just have to sit & wait I guess :cool: Hopefully more news monday
Happy weekend everyone xxxx :beer:

Lil_Me_2

mai_taylor wrote: »

14/06/2014 - AIP from Leeds
16/06/2014 - Offer accepted
21/06/2014 - Mortgage advisor filled out some online forms, didn't take copies of any ID, told us we've done as much as we can for now but have no idea what the next step is or what we're waiting for!

I've just been through this process with Leeds so might be able to help -

14th May - Offer accepted
14th May - Mortgage agreement in principle
20th May - Mortgage offer submitted
5th June - Mortgage approved subject to valuation
12th June - Valuation
18th June - Mortgage offer through the post!

When I met with my mortgage broker he took copies of my ID and I had three months of bank statements that I left with him. From what I can tell Leeds did go back to the mortgage broker to ask some more questions but he was able to answer them all so it didn't slow anything down.

kerri_dfw

Small progress today

25-4-14 make offer on house
28-4-14 offer accepted
1-5-14 aip and application to Kensington

I can't remember the middle dates but searches and enquiries conducted and satisfied
Kensington keep asking for more and more documents to be sent to them. Send across to our broker.

24-6-14 building survey done
26-6-14 mortgage approved pending valuation and valuation booked
Valuation booked for 1st July 2014. Almost there now