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

pinknfluffy28

Actually, we did contact a (highly recommended) broker before applying to anywhere (as soon as we put ours up for sale). Spent 90 mins on the phone with him, was promised a call back within 3 days latest. 5 working days later, still not heard from him. Called again & he said he was overwhelmed with work at the moment but promised to get back within 48 hours.

Another 3 days passed with no contact, rang him again, again promised he was looking at our case now & would call back the following day.

Waited yet another 3 days with no contact from him, before going direct!

Not all brokers save worry, some just add to it!

MrsDB

Can I join in too?!

We viewed a new build development end of April and decided to go for a three bedroom property, out flat was under offer and waited until Missives were complete (in Scotland)

Applied for the mortgage 19/05/2015
Valuation was booked and done 29/05/2015
Mortgage adviser confirmed today its all approved!

Not moving into new build until Oct/Nov time however so living with friends until then...

ohdear66

ohdear66 wrote: »

Hiya! Just starting our remortgage journey so thought I would join in!


30/05 DIP from Barclays, gave MA every bit of paperwork we have (just in case) and when approved it only asked for 1 months payslips for me and nothing for my other half who bank with them. Does that sound right? MA said he will send bits to sign in the post and once I give him redemption figure he will send off full application. Anyone know how long Barclays take to sort valuation after submitting?

UPDATE!
01/06 Went into Barclays today to sign paperwork and submit full application. Within 1 minute valuation says complete as they have done an online valuation without the need to visit and now says preparing offer!!!! Surely it can't be that simple?!

Kimmykla

Quick update.....
In the exact words of my MA
MORTGAGE ACCEPTED SURVEYOR INSTRUCTED

Surveyor is due to go into property today.
Now Mrs negative again....does that mean we've passed all the credit checks etc. As MA stated the mortgage was with underwriters before I receive the last email.....I thought underwriters were last
:huh:

titch85

titch85 wrote: »

I'm a first time buyer and had a stressful few months. I've already gone through the offer stage but had to pull out due to my deposit not coming through (my parents are selling and the deposit is being gifted through the extra money left over).

22/05 - Original mortgage offer with Aldermore ran out
23/05 - New offer accepted (£2k less than original)
26/05 - Broker called Aldermore to see if we could extend the offer. Said yes but need to move quickly.
27/05 - Sent over latest payslip.
28/05 - Paperwork received and offer being worked on. Should hear by 1/6!

Updates:

1/6 - Aldermore have offered extension but won't lend as much as before. Broker had a look at NatWest and they will offer more at a better rate. AIP done and approved. Mortgage application completed and sent off today. Should hear in a week if it's been approved.

AMO77

After a rough time with Nationwide, I got a mortgage offer from Woolwich/Barclays today. 5 working days total from application to offer.
Wishing everyone a positive result and my sincere thanks to all those here who have given advice so freely. It is much appreciated

MarkT1

MarkT1 wrote: »

Thought I would join in, I am a (very nervous) first time buyer going through a broker to Halifax (buying directly from landlord). Timeline so far:

20/05 - DIP and application submitted via broker
21/05 - Additional documents (proof of deposit) requested and submitted
22/05 - Additional documents submitted to Halifax
28/05 - Voicemail from broker advising that application accepted subject to valuation

Waiting on the valuation now, hopefully I can get the valuation booked next week, keeping my fingers crossed!

After chasing Colleys for the valuation it is now booked in for this Friday, keeping everything crossed now!!

stassy23

Spoke to broker valuation done full offer in the post
So happy good luck to all

xxandyxexx

Kimmykla wrote: »

Quick update.....
In the exact words of my MA
MORTGAGE ACCEPTED SURVEYOR INSTRUCTED

Surveyor is due to go into property today.
Now Mrs negative again....does that mean we've passed all the credit checks etc. As MA stated the mortgage was with underwriters before I receive the last email.....I thought underwriters were last
:huh:

I am in the same position. MA has said mortgage (Nationwide) was approved, subject to valuation (valuation is happening today). Does this mean if the valuation goes ok, I will have the mortgage offer? Or it still has to go to the underwriters?

AnnaLMLH

I here reading through the thread, lots of you seem to use the halifax?