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

Sinked_boat

I wish I had applied online on Monday, I know 5 days is not a big deal and I'm hoping doing it face to face and having a contact will speed things up overall but Damn. Everything takes so long, 2 week wait on valuations it's like waiting to take a pregnancy test!

Jelly box, off the market means it is not being marketed as open to offers, it does not show up on rightmove unless you include under offer and if it is in the estate agents window it will have a "sold subject to contract" sign, or something along those lines.

mkmini81

Getting there... Just a little slow. Broker called today Woolwich have everything they need and approved it all YAY!! Just waiting for conformation the underwriter has sent the offer out!!


01/07/13 - AIP referred
02/07/13 - HTB app submitted
05/07/13 - HTB app approved
16/07/13 - Full application Submitted
18/07/13 - Woolwich require a letter confirming an old Loan was closed ** 2 weeks of chasing HSBC/Metropolitan to get the letter**
31/07/13 - Letter received and passed to Woolwich
06/08/13 - Valuation booked in 08/08/13
08/08/13 - Valuation completed
09/08/13 - Valuation report submitted - Same as purchase price!
13/08/13 - Woolwich requested Julys payslip and bank statement.... feeling this is because it has taken so long to progress!
22/08/13 - broker confirmed Woolwich have accepted just waiting on the conformation the offer has been sent

7-8 weeks so far but knew it wouldn't be straight forward with 3 old defaults on my file, but having a good broker has really helped!!

mkmini81

Finally good news.... Broker called to say he has a copy of my mortgage offer in his hand! :j taken some time but with 3 defaults I knew it would! Can't thank my broker enough for the work put in. Does help to find a good broker!


01/07/13 - AIP referred
02/07/13 - HTB app submitted
05/07/13 - HTB app approved
16/07/13 - Full application Submitted
18/07/13 - Woolwich require a letter confirming an old Loan was closed ** 2 weeks of chasing HSBC/Metropolitan to get the letter**
31/07/13 - Letter received and passed to Woolwich
06/08/13 - Valuation booked in 08/08/13
08/08/13 - Valuation completed
09/08/13 - Valuation report submitted - Same as purchase price!
13/08/13 - Woolwich requested Julys payslip and bank statement.... feeling this is because it has taken so long to progress!
22/08/13 - broker confirmed Woolwich have accepted just waiting on the conformation the offer has been sent
23/08/13 broker called to confirm the mortgage offer has been received!

Good luck to everyone else waiting!!

deejaybee

Congrats mkmini :beer:

I am hoping to hear from the Wooly next week, although news will probably come via my broker...

Jaybo10

Offer finally came through this evening, woop woop!

mkmini81

deejaybee wrote: »

Congrats mkmini :beer:

I am hoping to hear from the Wooly next week, although news will probably come via my broker...

Cheers... Wooly is never the quickest in getting the info out!!

Good Luck!

skintsaver_2

Had an email today to say my valuation is going ahead on 3rd Sept, hopefully ot wont be much longer before i have the offer in my hand woohoo

Paully232000

Eventually my mortgage approval has come through from my broker.
Started the process at the beginning of august and application was put through.

Survey and broker fee paid on the 6/8. Survey has been paid for and completed and just heard today that it has been approved. Phew!!

So all in all when you read some horror stories on here, not too bad in taking just over 3 weeks from application to agreement. And this is with Accord, 5 yr fixed, 2.99%.

Now to wait for my FTB to get sorted. :beer:

Rosy_Apple

Hi all,

We had the valuation for Nationwide today and have just received a text informing us the valuation was satisfactory and that we have a mortgage offer :j.

This will mean time from application to offer (via text) is two weeks one day.

Now on to my next worry- structural (buildings) survey!!

Good luck to everyone still waiting.

RA

deejaybee

My broker called me today with the great news that he has had my mortgage confirmation through from Woolwich :beer:

I was already going out tonight to see a Punk Rock covers band....might have another couple of liveners now