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

littlelost

5th Feb - DIP nationwide received for 155k
6th Feb - lost out on property due to a higher offer
16th Feb - Offer accepted on new property
17th Feb - Full mortgage application completed for 174k
18th Feb - Survey completed
20th Feb - Additional wage slip requested and sent same day
23rd Feb - Call from the estate agent to advise we have been gazumped!!!
26th Feb - Mortgage offer received - Although we now have no house!!

katty2010

Here's our progress so far, we are FTB. Sorry it's a bit long!

31st Jan - saw advert for house
2nd Feb - DIP agreed by Santander (direct). Viewed house and we immediately put in an offer £3k below asking price
3rd Feb - Offer accepted
5th Feb - Full app submitted to santander
6th Feb - App declined due to adverse credit (1 default from 2012)
9th Feb - Contacted a broker.
11th Feb - Appointment with broker, DIP given by Leeds and full app submitted by broker 12/02.
16th Feb - Leeds request proof of overdraft facility as it's not shown on statements and the account has been overdrawn. Proof was sent back same day.
18th Feb - Leeds request clarification on what a certain D/D is for and apply to employers for references. We chased the refs we our employers and send D/D clarification back same day.
23rd Feb - employers send back ref. Leeds confirm they have got it.
24th Feb - Valuation takes place
25th Feb - Leeds confirm they have the valuation and will be back to us in 48 hours. If everything OK we should get mortgage offer in post by Tuesday 3rd March.

I'm playing a waiting game now! Not instructed any solicitors or paid any fees as yet so that's all to come once we have our offer!

Good luck everyone

lucky8

lucky8 wrote: »

10/12/14 - DIP with Nationwide - "Accept"
12/02/15 - Application submitted to broker
13/02/15 - Full application submitted to Nationwide - "Accept"
16/02/15 - Valuation booked

FTB

17/02/15 - Valuation Report received by nationwide
18/02/2015 - Nationwide raised queries regarding deposit proof.
the broker was out of office and only got that sorted yesterday with us..Grrr....

26/02/2015 - further bank statements sent out to broker

Waiting..fingers crossed..

Kryptothesuperdog

I have a feeling tomorrow is going to be the big day for me, either a yaay or a naay.

Apo

I applied mortgage on 13th of February with HSBC and started panicking now.

They completed the valuation in couple of days but since then they went really quite. I keep calling them but all I get is your application on its final stage.. Noone tells me how long it will take. The estate agent already started asking why it is taking too long.

I am first time buyer and have good credit history and reasonable salary. Is there any thing I can do to make HSBC to work on my application ? Their call centres/branches are compltely useless. They dont want to assist at all, someone should remind them this is not a free service they are offering..

Thanks,

Apo

Kryptothesuperdog

Got my mortgage offer today! Can enjoy the weekend now!

SavingWolf

Nice one krypto! The more I read the more I stress haha...

katty2010

katty2010 wrote: »

Here's our progress so far, we are FTB. Sorry it's a bit long!

31st Jan - saw advert for house
2nd Feb - DIP agreed by Santander (direct). Viewed house and we immediately put in an offer £3k below asking price
3rd Feb - Offer accepted
5th Feb - Full app submitted to santander
6th Feb - App declined due to adverse credit (1 default from 2012)
9th Feb - Contacted a broker.
11th Feb - Appointment with broker, DIP given by Leeds and full app submitted by broker 12/02.
16th Feb - Leeds request proof of overdraft facility as it's not shown on statements and the account has been overdrawn. Proof was sent back same day.
18th Feb - Leeds request clarification on what a certain D/D is for and apply to employers for references. We chased the refs we our employers and send D/D clarification back same day.
23rd Feb - employers send back ref. Leeds confirm they have got it.
24th Feb - Valuation takes place
25th Feb - Leeds confirm they have the valuation and will be back to us in 48 hours. If everything OK we should get mortgage offer in post by Tuesday 3rd March.

I'm playing a waiting game now! Not instructed any solicitors or paid any fees as yet so that's all to come once we have our offer!

Good luck everyone

Update! Valuation was fine. We got our mortgage offer today! It was posted out yesterday. So pleased, and can instruct the solictors and enjoy the weekend now.

Newbieforumer

Kryptothesuperdog wrote: »

Got my mortgage offer today! Can enjoy the weekend now!

Boom:beer:

Kryptothesuperdog

Really pleased, got verbal offer yesterday about 4 o'clock and had the official paperwork through the door today.