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

Tarragondragon

Sparkle15 wrote: »

haha that is so strange my son and i have just been looking at pinterest, great minds think alike

We went looking at wood burners for the living room on the weekend and have been looking at tons on pinterest, eeek need them keys!

Oh wood burners! We've struggled to find houses with actual fireplaces in them. The one we've offered on has one and we've started a wood burner fund... Just need this mortgage to happen! Hopefully my MA will get back to me today. She assured me yesterday she was calling NW, but I didn't hear anything back

p.s. Glad I'm not the only one addicted to Pinterest. I have boards for every room!

Sparkle15

haha Tarragondragon i have boards of every room too.

I have always wanted a wood burner too, so exited. Will be a while to save up etc. We need the boiler replacing first after that is done, save save save.

airyfairy76

bilbo85 wrote: »

Hi everyone,

Sparkle- hope you hear soon!! Why does it take so long!? It's so frustrating! Our application took a week to be approved and that was long enough for me!
Just waiting on valuation now! I have no idea when they have arranged it or if it was come back ok, id be gutted it they valued house lower but trying not to think of that!

I too have been on Pinterest and Ikea website too! Trying to figure out what to buy/ themes and colours etc! It's so exciting, but I haven't bought anything yet.....although I think my mum bought us some towers! Haha.

Fingers crossed we all get our formal offer in the post soon!!
X

Yours was with Santander too, wasn't it bilbo? Mines been in about a week - hoping I don't have to wait too much longer!

airyfairy76

Biggest smile on my face, ever! Back to drooling over Pinterest, guilt free!

18/02 - see a property that I love six months ahead of my personal buying schedule. Some jiggery pokery is going to be needed here so broker phoned immediately.... On at £195,000 (new build)
22/02 - reserve property for £500, for £190,000
25/02 - meeting with broker to go through my numbers. He tells me to stop worrying - I am a worrier. He deserves a medal
27/02 - AIP from Santander, subject to Help To Buy EL approvel
04/03 - application for H2B EL submitted
23/03 - application for H2B EL comes back as inexplicably declined due to affordability
24/03 - application for H2B EL resubmitted
26/03 - H2B EL Authority to Proceed obtained. Waiting until April to submit formal mortgage application due to timing of new build completion
07/04 - broker sends me two Santander quotes, to choose fixed term length (2 or 5 year) - confirm 2 year. Formal mortgage application submitted.
13/04 - email from Santander asking for proof of bonus payment from 2013. Provided.
15/04 - email from broker telling me the mortgage offer is in the post! Yay!!!!

Tarragondragon

airyfairy76 wrote: »

Biggest smile on my face, ever! Back to drooling over Pinterest, guilt free!

18/02 - see a property that I love six months ahead of my personal buying schedule. Some jiggery pokery is going to be needed here so broker phoned immediately.... On at £195,000 (new build)
22/02 - reserve property for £500, for £190,000
25/02 - meeting with broker to go through my numbers. He tells me to stop worrying - I am a worrier. He deserves a medal
27/02 - AIP from Santander, subject to Help To Buy EL approvel
04/03 - application for H2B EL submitted
23/03 - application for H2B EL comes back as inexplicably declined due to affordability
24/03 - application for H2B EL resubmitted
26/03 - H2B EL Authority to Proceed obtained. Waiting until April to submit formal mortgage application due to timing of new build completion
07/04 - broker sends me two Santander quotes, to choose fixed term length (2 or 5 year) - confirm 2 year. Formal mortgage application submitted.
13/04 - email from Santander asking for proof of bonus payment from 2013. Provided.
15/04 - email from broker telling me the mortgage offer is in the post! Yay!!!!

Congratulations :beer:

cat1984

airyfairy76 wrote: »

Biggest smile on my face, ever! Back to drooling over Pinterest, guilt free!

18/02 - see a property that I love six months ahead of my personal buying schedule. Some jiggery pokery is going to be needed here so broker phoned immediately.... On at £195,000 (new build)
22/02 - reserve property for £500, for £190,000
25/02 - meeting with broker to go through my numbers. He tells me to stop worrying - I am a worrier. He deserves a medal
27/02 - AIP from Santander, subject to Help To Buy EL approvel
04/03 - application for H2B EL submitted
23/03 - application for H2B EL comes back as inexplicably declined due to affordability
24/03 - application for H2B EL resubmitted
26/03 - H2B EL Authority to Proceed obtained. Waiting until April to submit formal mortgage application due to timing of new build completion
07/04 - broker sends me two Santander quotes, to choose fixed term length (2 or 5 year) - confirm 2 year. Formal mortgage application submitted.
13/04 - email from Santander asking for proof of bonus payment from 2013. Provided.
15/04 - email from broker telling me the mortgage offer is in the post! Yay!!!!

Congrats!!!!!! That's great news!!


Tarragondragon - Any news from your end yet? I'm still waiting I have sent another email to my broker. Trying not to be inpatient, but I wish they would just let me know what they are doing rather than not telling me anything at all!

lazysundays

airyfairy76 wrote: »

Biggest smile on my face, ever! Back to drooling over Pinterest, guilt free!

18/02 - see a property that I love six months ahead of my personal buying schedule. Some jiggery pokery is going to be needed here so broker phoned immediately.... On at £195,000 (new build)
22/02 - reserve property for £500, for £190,000
25/02 - meeting with broker to go through my numbers. He tells me to stop worrying - I am a worrier. He deserves a medal
27/02 - AIP from Santander, subject to Help To Buy EL approvel
04/03 - application for H2B EL submitted
23/03 - application for H2B EL comes back as inexplicably declined due to affordability
24/03 - application for H2B EL resubmitted
26/03 - H2B EL Authority to Proceed obtained. Waiting until April to submit formal mortgage application due to timing of new build completion
07/04 - broker sends me two Santander quotes, to choose fixed term length (2 or 5 year) - confirm 2 year. Formal mortgage application submitted.
13/04 - email from Santander asking for proof of bonus payment from 2013. Provided.
15/04 - email from broker telling me the mortgage offer is in the post! Yay!!!!

Aw brilliant!! :beer: Congratulations!

Although I am insanely jealous and hate you :cool:

Tarragondragon

cat1984 wrote: »

Congrats!!!!!! That's great news!!


Tarragondragon - Any news from your end yet? I'm still waiting I have sent another email to my broker. Trying not to be inpatient, but I wish they would just let me know what they are doing rather than not telling me anything at all!

Nothing, MA assured me at 7.55am she was contacting NatWest yesterday, didn't hear a thing. Sent her an email this morning asking if she had any joy... think I might give Natwest a call myself at lunch time. :mad:

I feel like I'm hassling her, but she assured me I wasn't... doesn't help that my partners boss was raging yesterday about a sale they have waiting to proceed because "a mortgage shouldn't take 3 weeks"

Georgiecoh

2/04 - Full application sent
3/04 - Mistake corrected on application
7/04 - Further information requested
8/04 - Further information received
9/04 - further info requested as further mistake had been made
10/04 - accepted subject Valuation
13/04 - Valuation cancelled due to ANOTHER mistake on application
13/04 - Application approved subject to valuation for a 2nd time (understanding underwriter!)
14/04 - Valuation booked in for Thursday 16/04
15/04 - Waiting..........

So stressful!! Ha

cat1984

You can’t help but feel like you’re bugging can you! I don’t know whether to call Natwest myself either… Starting to think it might be the quicker option of finding out sooner.
Sorry to hear you’re partner is getting grief! I hope your hear from your MA soon J
Let me know how you get on J