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

hells_bells

I am fuzzy bear. Who would have thought I would be grateful for Monday to come round. Well my valuation is booked today, very nervous this end. I had a very stressful week last week with sorting out the valuation and chasing because people were dialing the wrong number for the estate agent, ARGH!!!!! Fingers crossed for today.

Kimlock

fuzzybear01 wrote: »

anyone else looking forward to tomorrow and the start of another five days to get stuff done?! :j:j:j

yes yes yes

fuzzybear01

hells_bells wrote: »

I am fuzzy bear. Who would have thought I would be grateful for Monday to come round. Well my valuation is booked today, very nervous this end. I had a very stressful week last week with sorting out the valuation and chasing because people were dialing the wrong number for the estate agent, ARGH!!!!! Fingers crossed for today.

Mine is booked for tomorrow! I'm on night shifts tonight and tomorrow so I'll be sleeping whilst keeping an ear out for the phone!

asj

UPDATE
Hi


My mortgage timeline


AIP 11/08/14
one generic check and two mortgage quotation 11/08/14
Offer Placed 26/08/14
Offer Accepted 01/09/14
Lawyer Appointed 04/09/14
Full Mortgage Application submitted 08/09/14
Memorandum of sale by EA sharing lawyer details 12/09/14
One Generic check and five mortgage quotation checks on Experian 09/09/14
One Generic check on Experian 16/09/14
My lawyer received sellers draft contract 19/09/14
Paid my lawyer for searches 22/09/14
CV, childcare costs, asked by bank 22/09/14
MA advised application randomly picked for audit 22/09/14
MA advised valuation instructed by bank 24/09/14
VALUATION TOOK PLACE ON FRIDAY 26/09/2014

WAITING FOR THE OUTCOME

Kimlock

Good luck, asj. Hope you hear something soon!

I thought we might hear back from our full app today. Nothing from the broker yet

Actual

Moved to waiting to complete thread

grumpybee

:jMortgage offered! So happy right now!


Hope everyone else has a good news Monday!
:beer:

asj

kim you can look at your experian report to see what the banks are doing.

laurieballard999

......................

fuzzybear01

laurieballard999 wrote: »

Feel like banging my head against a brick wall!

Halifax are refusing to budge and want to see the following:

Statement from my partners dads account showing the gifted deposit funds
Statements from any accounts that he transferred money from to make up the deposit
Statement from out account showing the transfer of the funds from his account.

Three weeks and they are still asking for more information!
We have 50% of the deposit in savings which we showed them and we are saving the other 50% before completion as its not built until June.
We were told by the mortgage advisor that my partners dad can just write a letter saying he is gifting the other 50% just to satisfy the lender but just our luck they have asked to see proof!!

Without sounding harsh I'm not sure there's much you can do. It sounds like mortgage fraud and I can't see the lender changing their mind. Surely all lenders require proof of deposit before confirming an offer?

Can't you just wait?