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

Hollievictoria

I've been following this thread seeing fast responses with Natwest, which we hadn't had because of our broker!! I've joined and I'm looking for advice!

31/04 - Viewed
31/04 - Offered 1k under
05/05 - Offer accepted
06/06 - AIP with Broker with Nat west
07/06 - solictors instructed
11/06 - Full app to Nat west
18/06 - Emailed broker for progress and he said all checks done he's awaiting the offer
20/06 - emailed again and he said these things take a while
I've had no survey come out of my card

My impatience got the better of me today and I've now found out he hasn't sent any of the paperwork or sample signatures or direct debit mandate off! I am so furious!! Almost applied two weeks ago!!!

ellie27

stassy23 wrote: »

20/05/15 mortgage has been accepted :-)
Just got to wait for valuation im still in shock

I would have thought the valuation would have been done first before your mortgage was accepted?

stassy23

Santander do valuation after the mortgage application apparently

stassy23

ellie27 wrote: »

I would have thought the valuation would have been done first before your mortgage was accepted?

Is this a bad thing now that they haven't done valuation before?

Mrspaintpot

hi guys, Receved our KEY fact paperwork today, we did our halifax applacation over 2 weeks ago with reeds rains our estate agent. They said we should know by today but not heard anything just this letter. Can the mortage still be declined if i have had this or is it just a thing they send everybody? We have passed the checks with the broker, and when they serched the market halifax came up, and we have applied to them. I'm stressed, and wanted to celebrate over the weekend but have a feeling in my gut something is going to happen. :-(

ellie27

Mrspaintpot wrote: »

hi guys, Receved our KEY fact paperwork today, we did our halifax applacation over 2 weeks ago with reeds rains our estate agent. They said we should know by today but not heard anything just this letter. Can the mortage still be declined if i have had this or is it just a thing they send everybody? We have passed the checks with the broker, and when they serched the market halifax came up, and we have applied to them. I'm stressed, and wanted to celebrate over the weekend but have a feeling in my gut something is going to happen. :-(

The Key Facts sheets, we had them for a couple different lenders BEFORE we submitted the full application. Our broker showed us them to help decide which mortgage to apply for. So the key facts are papers that I guess everyone would see before applying, sorry!

loubylou18

have finally had our mortgage application approved, 6 weeks from when we applied. just got to hope the value survey is ok :-)

Dragonqueen

We applied through the Coventry - they said they have been very busy of late.....
23/04/15 - Full application rec'd by CBS
27/04/15 - Credit Checks done
15/05/15 - Survey completed
18/05/15 - Full Mortgage Offer received

Good luck to all!

Mrspaintpot

We have had our full mortgage offer! so excited!!! what a relief x

TheRoders

FINALLY!! Our full mortgage offer was received in the post this morning. Sooo happy now. Just need to get my buyers to commit to a date now!!