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

djedga

My wife got fed up of me (via broker) telling her that it would be in the post tomorrow (ever since bank holiday weekend).

She phone Nationwide direct this morning who told her "it will be in the post tomorrow" :rotfl: they also told her we were approved and it was just now at assessment stage.

They gave her our reference number and (on another thread) I had seen a basic online tracking facility for paper applications so went and looked. It only tells us that it is at application stage since 24/3, doesn't even show that the valuation was instructed!

We know the valuation has been done (since 2nd April we have had the home buyers report)! So she phoned them back and politely asked what the heck was going on. Apparently the valuation was only received by the underwriter on 13th April..

Last week we were told "valuation looks ok will be passed to underwriter" and every day since Wednesday it has either been tomorrow or today we were supposedly going to get the offer posted out.

At least my mind is at rest that the application is not the issue, just the time to get it assessed by the underwriter. So we will get our offer (in theory) by Friday at the earliest which will be a month from sending the application.

So frustrating!

betsy123_2

Date Decision In Principle received02/03/2015Date application received09/03/2015Date Minimum Submission received18/03/2015Date case underwritten18/03/2015Date Valuation instructed01/04/2015Date Valuation expected






above us our time scale so far... we are going through with skipton..


survey and valuations carried out 13.4.15 and skipton confirmed this morning they had received the results...


does anyone know how long until we received off?
13/04/15

cat1984

Tarragondragon wrote: »

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"

Just emailed again only to be told no news at the moment and that documents are still with the underwriters and there is a high demand at the moment.


Apparently she will chase again tomorrow - another sleepless night for me then

Tarragondragon

Just spoke to natwest, they need more information... All of which my MA has (they wanted 3 months statements, we supplied them to her, details of my second income... (She has payslips, etc) Ms details of my loan (which is with natwest... Surely you'd think they'd know). Hopefully she'll be on the case

cat1984

Has your MA supplied them with those details?


I literally just got told "the documents are still with the underwriter". I don't know whether that is them processing them or they still haven't looked at them! Ahhhhhhhhhh!!

Tarragondragon

cat1984 wrote: »

Has your MA supplied them with those details?


I literally just got told "the documents are still with the underwriter". I don't know whether that is them processing them or they still haven't looked at them! Ahhhhhhhhhh!!

She has them to supply. We gave her absolutely everything on 30/03. She has 4 months payslips, 4 months bank statements (4 months because I have her 3 months worth at our initial meeting before applying), details of my loan, my tax returns, p60s, the works.

cat1984

Tarragondragon wrote: »

She has them to supply. We gave her absolutely everything on 30/03. She has 4 months payslips, 4 months bank statements (4 months because I have her 3 months worth at our initial meeting before applying), details of my loan, my tax returns, p60s, the works.

That's a bit naughty! No wonder things are slow in getting done your end! I have no idea if this is 'against the rules', but is there no way you can supply the documentation so you know its on its way?

Tarragondragon

cat1984 wrote: »

That's a bit naughty! No wonder things are slow in getting done your end! I have no idea if this is 'against the rules', but is there no way you can supply the documentation so you know its on its way?

Who knows. I did contact her earlier... so maybe she's got her tail between her legs and is getting them that info today as I asked her to chase them up yesterday.

Needless to say my other half isn't best pleased right now! I'm sure it'll work out int he end... just wish the end would come a bit sooner

cat1984

I would imagine that would give her a kick up the bum!


Fingers crossed for the both of us were put out of our misery soon

Tarragondragon

cat1984 wrote: »

I would imagine that would give her a kick up the bum!


Fingers crossed for the both of us were put out of our misery soon

Seems so, just recieved an email from her requesting the extra documents. Seems my partner's bank statements weren't sufficient due to not having his name on them :rotfl: