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

djedga

Amended Timeline:

17/3 - Offer accepted and accepted offer on our current property.
19/3 - Full application sent to broker with payslips, P60s, bank statements, proof of gifted deposit form.
20/3 - Application sent by broker to nationwide (next day).
24/3 - The buyers survey was done on our current property.
25/3 - chased adviser for update on application.
25/3 - Credit score passed, Affordability passed. Initially wanted proof of bonuses for last two years. Broker asked them to re-key without bonuses as we should pass without, which we did so no longer required. Valuation instructed on our purchase (should happen in 4-5 days). Passed to senior underwriter (probably another 3-4 days until he gets to it).
28/3 - Land Registry plans received from solicitors to confirm plot requiring searches, instructed searches (also confirmation that draft papers have been received from sellers solicitors)
28/3 - T's & C's received in post from surveyors to sign and return
30/3 - Chased broker for update - nothing received
30/3 - Response from Nationwide, survey booked for 31/3, broker spoke to underwriter, no further info needed, mortgage offer is just pending successful survey.
30/3 - Searches on our purchase instructed
31/3 - Surveyor phoned to check any concerns on our intended purchase before he carries out the survey. Also checks regarding level of interest/competition when we offered (I guess to satisfy any potential concerns over valuation level etc).
31/3 - Our Estate Agent confirmed valuation on our property done, mortgage offer in post to our buyers and searches instructed by them.

Fingers crossed we may even get the valuation and homebuyers report back and an indication of offer before the bank holiday, all things being good.

Vok_2

Hi fellow “Natwesters”,
How are our nerves doing? Mine is off the charts. Honestly I just want my life back now, all this waiting is killing me slowly. Lol!
Where are we all with our applications? I haven’t heard a word from Natwest since my application went in last week Monday (23/03/15). But am trying to look at the positive side and take it that “no news is good news”.

lepetitmanoir

First time buyer joining in on the timeline for Halifax:


11/3 Met with Broker and got AIP with Halifax, they ask for 15% deposit rather than 10%, ok.
17/3 Offer Made
18/3 Offer Accepted
24/3 Back to Broker for Mortgage Application to Halifax (+ 3 mths bank statements, 3 mths pay slips) also paid valuation fee there and then.


No news so far but then we've not called the broker either. Money for valuation has left my account, although I've not heard anything about it happening yet and I see that Halifax did a credit search on 25/3.

Lilhobo

Call from mortgage advisor today, going for final sanity checks (whatever they are) with the underwriters and expects valuation to be instructed (Santander) today. Or tomorrow now as no further word!

jagger86

Is anyone else awaiting an offer with Santander?

Our full application was submitted on 18th/19th March.

Vendor said they have had no contact re: valuation from them. MA said we should get an offer this week but still not heard anything. Awaiting a return call but starting to panic as to why it's taking quite a while.

stalkah

Well I'm kinda shocked just had a call from the mortgage broker we've had a mortgage offer and should have the paperwork in the next couple of days

djedga

stalkah wrote: »

Well I'm kinda shocked just had a call from the mortgage broker we've had a mortgage offer and should have the paperwork in the next couple of days

Nice!

We're a day behind you on the survey so with a bit of luck hoping for a similar call tomorrow so I can enjoy the bank holiday weekend!

justme1985

Our timeline so far is:

07/03 Viewed property
09/03 Had offer accepted
11/03 Appointed solicitor
12/03 DIP with bank (direct)
28/03 1st appointment to put in full application.....though was cancelled for some unknown reason and next appointment over two week wait :mad: (this was after being messed around a bit and confirming our appointment two days before!)
30/03 Start full process over the phone as not waiting another two weeks for an appointment. It felt like an interrogation at times but lady on phone was very nice. Took just under 1.5 hours.
31/03 Got email from estate agent to confirm onward chain is now complete :eek:

Got my second call tomorrow with recommendations etc and then I guess the full application will be submitted. I'm not very good at waiting so will be glad once its all done!

lepetitmanoir

lepetitmanoir wrote: »

First time buyer joining in on the timeline for Halifax:


11/3 Met with Broker and got AIP with Halifax, they ask for 15% deposit rather than 10%, ok.
17/3 Offer Made
18/3 Offer Accepted
24/3 Back to Broker for Mortgage Application to Halifax (+ 3 mths bank statements, 3 mths pay slips) also paid valuation fee there and then.


No news so far but then we've not called the broker either. Money for valuation has left my account, although I've not heard anything about it happening yet and I see that Halifax did a credit search on 25/3.

01/04 EA tells us that valuation survey took place this morning and they found damp. If mortgage is offered we plan on getting a full survey anyway, so will have to wait and see.

Lilhobo

Jagger86, we're a day or two behind you with Santander and heard nothing yet re valuation.