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

pembssurf

pembssurf wrote: »

Thanks Merkat and Thelaughingcat. Well got good news finally on monday evening from the broker saying that he had just received a call direct from the under-writer and that everything had been finally cleared and they were proceeding to offer. My broker has stated that it should be done but don't believe anything till you get your copy in the post. Which i am hoping is today:)

Update... It has actually arrived in the post today. Sitting here with my mortgage offer in my hands. Ahhhhhh... That's one battle one, now to continue the war fight!

gunnarboy

ah im so pleased for you pembssurf, its been a while since I posted and have followed your story since the start such a relief for you !!
Our valuation was carried out on Monday after the first purchase falling through due to Japanese knotweed being found in the garden but we found another great house and this is the one that's just had the valuation done on it so we should finally know one way or the other this week !
Good luck to all waiting

Benorient

Time line

18/07 2nd visit to property
18/07 Contact London & Country - Internal decision in princial provided
19/07 Offer accepted on house (under asking price)
23/07 Full application made with Santader Via L&C
30/07 Request for 3 month bank statements and 1 month payslip
08/08 request for 2nd job payslip again
11/08 passed to underwriter
13/08 application agreed subject to valuation. Formal offer to be sent out shortly

Pain free - 5% mortgage on the guarentee scheme -with credit card debt / car loan and having a pay day loan on my credit file. There are sucuess stories out there and its not all doom and gloom for people who dont have perfect finances.

Happy days!!

AGirlWrites

Just received THE text from Nationwide, they've issued my formal offer.

Good luck to everyone who are still waiting for your offers.

Charlotte

Originally Posted by AGirlWrites
Hello everyone,

Here's my timeline so far:

19th July - House Viewed

24th July - DIP Received from Halifax

25th July - Offer on house accepted

29th July - Full Mortgage App filled in with Broker

1st August - Broker had to change the way I get paid (I get paid by dividend) and Halifax automatically declined me. My valuation survey and arrangement fees were refunded back to me.

4th August - Broker discussed my circumstances with Nationwide, gave me a DIP with a higher deposit needed.

11th August - Valuation survey carried out, now waiting for the survey results and hopefully an offer.

kiddakidda

kiddakidda wrote: »

Well Done, chuffed for you

I was supposed to hear today but all I got was a text to say that the valuation had been received and I would be contacted if any further information is required

GET IN! text from NW today to say formal mortgage offer issued. Time to pay some searches money now and keep fingers crossed my buyer doesn't pull out:)

kellysaxo

Full App 18/7

Valuation 25/7

Approved 29/7

Funds received today

Faultless service no problems and OPTIMA have been on the ball!

very happy!!!!

pembssurf

gunnarboy wrote: »

ah im so pleased for you pembssurf, its been a while since I posted and have followed your story since the start such a relief for you !!
Our valuation was carried out on Monday after the first purchase falling through due to Japanese knotweed being found in the garden but we found another great house and this is the one that's just had the valuation done on it so we should finally know one way or the other this week !
Good luck to all waiting

Thankyou and good luck with it all. I guess the fact that your having valuation done means it should be straight forward and not to long for you now

Thelaughingcat

Pembssurf, gunnarboy, kiddakidda, AGirlWrites - get in!!! Congrats to all of you! Onto the next step for us all now

AGirlWrites

Thelaughingcat wrote: »

Pembssurf, gunnarboy, kiddakidda, AGirlWrites - get in!!! Congrats to all of you! Onto the next step for us all now

Thanks TLC!

merkat1

Thelaughingcat wrote: »

Pembssurf, gunnarboy, kiddakidda, AGirlWrites - get in!!! Congrats to all of you! Onto the next step for us all now

Wow seems like a good few days for us on here! Long may it reign! haha :beer:

Leeds asked to see proof of address from a couple of years ago and beginning of this year after the first full assessment so i hope that's all they need to approve the mortgage i have sent documents (have to be original grrr) to broker and they will get to Leeds today, with there assessment farce looks like it'll be ANOTHER weekend not knowing, i just hope by some luck i know Friday so i can enjoy a weekend for once.