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

TeeDeeTee

This whole process is just far too stressful but its comforting that so many off us are in the same situation.
We have had offer accepted & had our DIP/AIP whatever you call it.
Solicitors instructed but just have such a fear that the mortgage offer wont come through!
All we can do is wait now

TeeDeeTee

Can I ask how long it took people from DIP stage to the actual offer?
Many thanks

Teaandtoast0124

Nationwide

1st feb. DIP

2cnd feb. Full application submitted

3rd feb. Valuation was done, and all documents validated

4th feb. Full mortgage offer issued

goodwithsaving

I'm going to get in on this too :-) Something to remind me to chill out a little bit.

Viewing: 27th Jan
Offer: 28th Jan
Offer accepted: 28th Jan
Mortgage broker: 2nd Feb
AIP: 5th Feb (all ok - phew)
Full mortgage application placed: 5th Feb

I have a feeling this whole house buying process is going to either teach me to be more patient, or get me even more stressed out. Not helped by my inability to resist looking at furniture and paint.

The solicitors have all the info they need from us so we're just having to roll with it now.

Exciting / nervewracking times! It will be worth it in the end

Justadmin88

I know what you mean goodwithsaving, the hardest bit for me is stopping myself from thinking about how to decorate - I can't help having montage daydreams about it all! Good luck to you.

justcat

justcat wrote: »

Okay, so I can finally join the mortgage decision club!

26th Jan - HTB Equity Loan application submitted
30th Jan - Authority to Proceed issued
30th Jan - Full application submitted with Nationwide
30th Jan - Nationwide contacts developer (New build) to arrange a valuation on Monday 2nd Feb

I'm surprised with how quickly this is moving already. I wasn't expecting the valuation to be arranged so quickly.
Let's hope everything else goes to plan

Valuation happened on the 2nd and I got the offer today on the 6th so a week!

I noticed that my offer is valid until the 3rd August so they may have made their decision on the 3rd.

Either way, I'm super happy!

firsttimebuyer24

firsttimebuyer24 wrote: »

Hello everyone,

My status is as below with Halifax:

- DIP received on 14-01-2015
- Property reserved on 18-01-2015
- HTB approval on 23-01-2015
- Full mortgage application on 28-01-2015
- Valuation instructed on 30-01-2015
- Valuation carried on 03-02-2015


Rest is waiting :-) thanks

- Valuation OK received in post on 06-02-2015


Thanks

goodwithsaving

Thank you JustAdmin88. The valuation and homebuyer surveys are on the 18th. Argh!! It feels so long away. I just want the mortgage confirmed.

Good luck to you too!!

MrDebtWarrior

goodwithsaving wrote: »

Thank you JustAdmin88. The valuation and homebuyer surveys are on the 18th. Argh!! It feels so long away. I just want the mortgage confirmed.

Good luck to you too!!

That does seem quite a long wait, who are you applying with?

catoutthebag

goodwithsaving wrote: »

I'm going to get in on this too :-) Something to remind me to chill out a little bit.

Viewing: 27th Jan
Offer: 28th Jan
Offer accepted: 28th Jan
Mortgage broker: 2nd Feb
AIP: 5th Feb (all ok - phew)
Full mortgage application placed: 5th Feb

I have a feeling this whole house buying process is going to either teach me to be more patient, or get me even more stressed out. Not helped by my inability to resist looking at furniture and paint.

The solicitors have all the info they need from us so we're just having to roll with it now.

Exciting / nervewracking times! It will be worth it in the end

I am confused. shouldnt you get an mip/broker first?

I've seen a flat. I have deposit. I will get accepted. What dO I do? Just make an offer first? I'm self emplyed so need sa302 or whatever they're called. Have bank statements ready