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

higgins23

Survey was ok and submitted to underwriter.... Still waiting 😏

Nicolahomer

10/08/14 DIP with Leeds building society via IFA for 50% shared ownership house
08/09/14 full application with Leeds
16/09/14 Leeds request proof of address for a house I lived at 4 years ago
9/10/14 offered mortgage for half of what I asked for as Leeds stated they do not take into consideration tax credits towards my daughters nursery fees! Making my expenditure look much higher!
10/10/14 DIP with nationwide
23/10/14 paper application submitted through IFA
14/11/14 Our documents have been checked and approved after going for audit
17/11/14 survey and HBR done
17/11/14 nationwide asking for our gifted deposit letter (already sent) and also asking us why we are choosing our solicitor who is based in the Midlands when we live in Somerset (we grew up in the Midlands and have used this solicitor before)

Are they stalling for time? I can't help but think they'd have noticed an absent gifted deposit letter when they first assessed our documents and then reviewed it at audit!

kingstreet

Nicolahomer wrote: »

17/11/14 nationwide asking for our gifted deposit letter (already sent)

You've used this;-

http://www.nationwide-intermediary.co.uk/includes/pdf/P2505_03_14.pdf

haven't you?

thumpertwinkle

30/10/14 FMA
Further paperwork requested
14/11/14 Valuation booked
15/11/14 Valuation completed
15/11/14 Instructed solicitor to do searches
17/11/14 FMO text
18/11/14 EA Memorandum of sale and phone call from Nationwide

Finally it looks like I am moving to the waiting to exchange board

Thank you for support given and good luck everyone who's waiting for FMO!

oli_ro

29/10/14 FMA
30/10/14 Text confirming survey scheduled on 03/11/14
03/11/14 Survey
05/11/14 Text telling me survey was ok
07/11/14 Extra information provided to NW re wife's employment
Back in the queue
10/11/14 Another documented requested and provided
Back in the queue
12/11/13 Yet another document requested and provided
Back in the queue
18/11/13 Employment questioned and more enquiries raised with the broker. (I am an IT Umbrella Contractor). I don't even know what possible can they require as I have given all the documents under the sun and according to their own criteria, the employment should be ok.

Waiting to have a chat with my broker, to be honest I don't know what to do next, can't find words for how frustrating this feels. :mad:

Nicolahomer

kingstreet wrote: »

You've used this;-

http://www.nationwide-intermediary.co.uk/includes/pdf/P2505_03_14.pdf

haven't you?

Yep, we submitted that form with all our documents at application and our mortgage broker says she has a receipt to confirm they'd received it.

MercilessKiller

Just got the text from Nationwide who have formally received the mortgage application from my broker! IT BEGINS!

I guess I just sit back and relax - Any problems and I imagine they will go to my broker and not me directly?

He said he was certain it will be a smooth easy process and will be approved subject to survey pretty quickly - But he may have been saying that to keep me calm ha!

oli_ro

With Nationwide you get text(SMS) notifications at key milestones(application, valuation, approval, etc) but any requests for extra documents or information goes to the broker. Good luck.

MercilessKiller

oli_ro wrote: »

With Nationwide you get text(SMS) notifications at key milestones(application, valuation, approval, etc) but any requests for extra documents or information goes to the broker. Good luck.

I would imagine the valuation is going to be the longest part of it - would I get a text saying "Approval subject to valuation" quickly or is the valuation done first?

If so, I'm guessing a rejection means goodbye to the valuation fee ha!

System

MercilessKiller wrote: »

How long did it take for your approval?

Sent our application off on the 28th of October but sounds a bit more complicated than yours :T

We signed up for the nationwide text updates but didn't receive a single one :rotfl:

Luckily our broker was great with keeping us up to speed.

Try not to worry to much about order and speed. It'll happen when it happens but I understand the want and need for things to be done as quick as possible