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

BaileyMoselle

Still no progress or update from Natwest - three weeks of torture. Seriously suffering with MAD (Mortgage Anxiety Disorder).

winnie21

winnie21 wrote: »

just an update from me
03.03.2015 sent bank statements and payslips via MA, she told me that the valuation had been instucted
04.03.2015 needed a more upto date bank statement from me, as my statements go from the 16th to the 16th of each month and my rent goes out from the 18th (thats what they wanted to see) sent my MA a print out of my internet banking showing this, she sent that off. In the evening I noticed Barcays had taken money out of my account for valuation.
05.03.2015 has a text message to say, my mortgage offer is in the post.

so nervous now, I hope its what we have offered!!! I want to know now!!!



I have to say that I have been impressed with Barclays (may feel differently if they dont lend me what I have offered lol) and how quick this has been we needed this done by tomorrow as my MA is starting a new job elsewhere.

Post still hasn't been! This is driving me insane!

BaileyMoselle

Application agreed subject to valuation. That was a long three weeks. Feeling great now. Just hope the valuation is ok.

lucky8

Quote:
Originally Posted by lucky8 View Post

12/02/15 - Application submitted to broker
13/02/15 - Full application submitted to Nationwide - "Accept"
16/02/15 - Valuation booked
17/02/15 - Valuation Report received by nationwide
18/02/2015 - Nationwide raised queries regarding deposit proof.
26/02/2015 - further bank statements sent out to broker
03/03/2015, 05/03, 06/03 - further clarification regarding foreign bank statements...
09/03/2015 - Text received from nationwide - Mortgage offered...

Waiting for the post now

STG_2015

Our valuation was done 4/3/15

5/3/15 queried my student loan

09/03/15 still heard nothing back

So stressed its unbelievable, we are only borrowing 2 times our wage and are 60k under the online nationwide affordability calculator, both have good credit scores and reports. Just want an answer either way now this waiting game is vile!

PoorPonyMom

Just had a text to say offer in the post

Will be waiting under the letterbox.....

matt1234

matt1234 wrote: »

Hi guys,

Can anyone who knows about the Halifax process shed some light on what this means?

Had my full mortgage application on 16/02 and it was all Ok'd and survey booked the next day for Wednesday this week.

I phoned this morning and they told me that the valuation had been cancelled and that they are awaiting a decision from the 'credit decisioning' team or something to that effect.

Is this normal or is it a sign they have changed their mind and are scrutnising my application more? They did say that this wasn't quite the same as the underwriting team.

Finally Halifax has phoned me to say my mortgage has been accepted SUBJECT to vaulation.

I phoned them every day last week and my case was being sent back and forth between underwriting teams and they requested 6 months bank statements but finally they have agreed to lend!

Still have to hope Colleys don't throw a spanner in the works!

shimano

Cant believe the lead time some are having, we used Santander and everything has been very quick. Application to survey booked was a few hours, and then post the survey, offer sent to us same day

omarftb

Rbs valuation done last wednesday. Valued property exactly the same amount as our offer still waiting on mortgage offer. Solicitors started searches a week ago. Anyone have any idea when I may recieve my formal mortgage offer. Full application went in 10 days ago.

STG_2015

full application 26/02 still waiting- that's with Nationwide