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

swanny78

OK Some good news at last seems that Natwest are happy to accept my original application and just change the product and re-instruct a valuation on the new property...Phew saved a couple of weeks of nervous waiting again. So back to where we were last week on the other property... Fingers crossed all over again.

mkmini81

Winnie... doesnt sound good. i thought the valuation had to be submitted within 48 hours? I can see how lucky i was to get a copy of the valuation the day after!

swanny - thats great news.... at last! least it saves some of the hassle through the process!

CluelessFTB_2

Winnie my valuation with Halifax was done on a Friday and I recieved my offer on the Monday - but the system had been changed on the Saturday.

winnie1988

Spoken to Halifax & they confirmed that at the moment it is taking about a week for them to receive the reports so I feel a bit more positive now:j Fingers crossed...I hate all this waiting haha

emilyjayne_3

Is it too late to join in?

We started 'just looking' about two weeks ago, broker (through family friend) got us Halifax AIP. I found our dream house early last week, had to wait on OH coming home from business away, he loved it too so offer made & accepted on Thursday. Met with broker again this morning, he will submit full app today & hopes to have offer out by the time he goes on holiday a week on Friday...is this realistic? We're in Scotland, so am I right in saying we don't have a valuation as we already have the home report? He seems to think its a clean cut case, although explained they can ask for bank statements etc.

The broker we have is brilliant, I was totally lost to begin with but now understand most of it (I think!)

Fingers crossed for everyone

swanny78

emilyjayne wrote: »

Is it too late to join in?

We started 'just looking' about two weeks ago, broker (through family friend) got us Halifax AIP. I found our dream house early last week, had to wait on OH coming home from business away, he loved it too so offer made & accepted on Thursday. Met with broker again this morning, he will submit full app today & hopes to have offer out by the time he goes on holiday a week on Friday...is this realistic? We're in Scotland, so am I right in saying we don't have a valuation as we already have the home report? He seems to think its a clean cut case, although explained they can ask for bank statements etc.

The broker we have is brilliant, I was totally lost to begin with but now understand most of it (I think!)

Fingers crossed for everyone

mt original application took 5 days (1 working week with Natwest). So a week Friday is more than do'able assuming they have all docs they need, payslips, statements etc....

blueskies10

Hi all! Me and the other half are hoping for our decision today! It's so stressful hope there's no delays. Good luck to all who's waiting too

winnie1988

Just had a call to say that our valuation has been accepted and Halifax have accepted to offer to us, just waiting on the formal documents now :j:j:j:j

blueskies10

winnie1988 wrote: »

Just had a call to say that our valuation has been accepted and Halifax have accepted to offer to us, just waiting on the formal documents now :j:j:j:j

same here our valuation is fine and a mortgage has been offered. we are also going with the halifax, just getting some home/contents insurance sorted. been a bumpy ride but got there in the end, hopefully keys on thursday :j

winnie1988

Wow that was quick! Congratulation! :j

Question - I gave my solicitors £300 upfront beginning of July, even though we didn't have a mortgage arranged then do you think they would have started the searches or will they start them now a mortgage has been approved?