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

hayleyjane82

Our offer in writing arrived today too- well done Halifax, 10 days from start to finish- super impressed :-)

BaileyMoselle

I applied direct to Santendar well over two years ago and failed the credit check. Have recently applied through a MA with Natwest - passed the credit check and now in the third week of waiting for a decision. Quite stressful. Hope to get a decision this week.

aishaonline

Still waiting for Halifax. Valuation done on the 24th, all is good. Got valuation report on the 26th, all my broker has to tell me is "still with the underwriters"

All the waiting is driving me nuts and I am eating, sleeping, drinking mortgages at the moment. I need to hear something back this week or I'll definitely go mad!:mad:

Justadmin88

Our FTB story so far:

28th Jan - Viewed house and put in offer
29th Jan - Offer accepted
4th Feb - Full application submitted to Natwest
10th Feb - Application approved verbally subject to survey
13th Feb - Money taken for survey
20th Feb - Survey takes place
23rd Feb - Survey comes back as less than our offer
25th Feb - Renegotiate price of property and adjust mortgage product accordingly.
28th Feb - Find out Natwest are missing product code for revised application and they need it to proceed.
2nd March - Product code given (even though it was given last week too) and a decision to be given "within 24 hours"

I'm getting to that point where I'm starting to doubt whether we'll ever get that magical offer letter through the post, it just seems to be dragging on and on! Please please please, let's hope they're true to their word and I'll know for sure tomorrow!

PoorPonyMom

25/2 full application went in
3/3 partners flat due to exchange and complete
5/3 valuation booked.

Biting nails. This is after making countless offers, loosing 2 places and lloyds messing up one of my accounts and delaying us being able to apply. 6 months of hell. Fingers crossed everyone.

winnie21

Hi,

I would like to join, reading this thread has given me comfort that there're people in the same boat as me.

Heres where me and my partner are....
17.01.2015 viewed property
23.01.2015 met with mortgage advisor
31.01.2015 second viewing
02.02.2015 mortgage declined with Virgin Money
10.02.2015 offer made on property, as someone else had made an offer
24.02.2015 mortgage declined with Virgin Money again
27.02.2015 DIP with Barclays
27.02.2015 offer accecpted on property
02.03.2015 full mortgage application sent via broker

This is the most nerve racking thing I have ever done, Barclays say I'll have a decision within 2 weeks. Good luck everyone, fingers crossed

jstiff

jstiff wrote: »

Well, was back to the drawing board two weeks ago. Our previous purchase fell through on the day of exchange. Seller pulled out.

We then went to look at some new builds to "rule them out" and decided this is for us, so put a deposit down. So had to start from the beginning, luckily we had moved out of ours and completed so are currently at the inlaws!!

So our timeline:
23/01/2015 - Complete on sale of ours and move into inlaws
06/02/2015 - Expected exchange date on prior house-falls through
07/02/2015 - Put deposit down on completed new build
10/02/2015 - Contact L&C to sort out mortgage, require new one!!
15/02/2015 - Week of changing address to temp address for FMA
17/02/2015 - DIP with Abbey (Santander)
20/02/2015 - FMA submitted to Abbey
23/02/2015 - Documents requested and sent same day
24/02/2015 - Valuation ordered for 02/03/2015

So anxious it is unreal, can't sleep or concentrate at work. Terrified this one will fall through, it's an amazing house. All I can think about is mortgages!!

!Positive mental attitude!

02/03/2015 - Valuer could not be arsed to come and value so rebooking with another valuer!! - Fun!!

Vestra

Just applied for my first mortgage through broker today! My broker said it has been accepted online and I now have no need to worry but I'm skeptical that it might still get rejected...

I am in Scotland and it's with Halifax, she said it's all done online through Halifax and they just need to wait on a refresh of the home report as it's more than three months old.

lxpeanut

lxpeanut wrote: »

My timeline so far
4/2 1st Viewing
20/2 2nd viewing
21/2 offer accepted
21/2 AIP (I already had one but this mortgage was cheaper)
25/2 full application submitted

26/2 application fee and top up for homebuyers report taken
2/3 request for more info about current address and wanted to know landlords details (good job I've already talked to them)

Not heard anything about survey yet. Solicitors have done the environmental searches though.

BaileyMoselle

Still no news for me. Is the glass half full or half empty? If it was whisky I would just drink it the way I am feeling now. Advisor will chase application this morning. If this goes through I will buy her some flowers.