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

frogandcount

frankslittlemachine wrote: »

I am sure it won't be long!

Thanks. I think waiting is one of the worst things. do you have a completion date set yet?

Leilab

Hi Guys,


Been reading peoples posts for months now. Just want to recommend Virgin in terms of speediness as not many people seem to comment on them on here.


Me and my partner have applied for our first mortgage, we have used a broker which has saved us a lot of hard work and worry. This is our timeline:


26/05/2015 - Offer accepted on house
29/05/2015 - Valuation booked and paid for
03/06/2015 - Submitted all paperwork to broker such as P60, payslips etc
08/06/2015 - Confirmation valuation come back ok, credit checks passed
11/06/2015 - Offer received


Can't believe how quick it has been. Hoping all those waiting get their offer soon :j

pinknfluffy28

Still waiting here, will have been 2 weeks tomorrow since we submitted full application.
Received some of our documents back from them today, but nothing else, and not our payslips or bank statements.

EA phoned today to tell us the vendor had arranged for our valuation to take place 22/6 - that's another week away!

Guessing it will be another 2 weeks before we get a decision :-(

frankslittlemachine

frogandcount wrote: »

Thanks. I think waiting is one of the worst things. do you have a completion date set yet?

No yet...the solicitors on both sides are just thrashing it out But its a new build, no chain on my end so i'm hoping ASAP!

an_ecunemical_matter

Applied for remortgage online with Firstdirect yesterday 3pm. Call 5.50pm last night from a friendly chap to discuss same but I was eating microwave magic at McSpoons. So I phone them today 2pm. Terrible waiting music but go through the next part of process. Another good and friendly agent. Took about 40 mins.

Get a call back then 4pm. Approved !!!!!

I moved bank to them and now got a mortgage with them. Can't but recommend. :T

ShAnE

Can I join all you wonderful folks? Our mortgage application to Bank Of Ireland will be submitted tomorrow, so the waiting game will soon start.

huntercity

Happy to join the wonderful thread with other folks


24/05/15 purchase offer verbally accepted by the vendor
29/05/15 made the full mortgage application in Halifax branch
05/06/15 provided the latest payslip to the MA
10/06/15 application approved

So totally 10 days to get my mortgage offer issued. Impressed again by Halifax! Now I need to push the vendor harder to give my solicitor qualified acceptance of offer in written and other documents for the formal contract exchange!!

TBeckett100

So Halifax didn't ask for a bank statement?

Broker is doing my mortgage with them tomorrow. I'll
Let you know how it goes.

frogandcount

pinknfluffy28 wrote: »

EA phoned today to tell us the vendor had arranged for our valuation to take place 22/6 - that's another week away!

Guessing it will be another 2 weeks before we get a decision :-(

Hang in there. at least you have a valuation date. mines tomorrow and im already panicking.

frankslittlemachine wrote: »

No yet...the solicitors on both sides are just thrashing it out But its a new build, no chain on my end so i'm hoping ASAP!

hope it doesn't take too long me MA has told me that it can take a few weeks after offer to sort dates. will keep fingers crossed for you

huntercity wrote: »

Happy to join the wonderful thread with other folks

So totally 10 days to get my mortgage offer issued. Impressed again by Halifax! Now I need to push the vendor harder to give my solicitor qualified acceptance of offer in written and other documents for the formal contract exchange!!

Congratulations. Hope everything else proceeds smoothly

frogandcount

ShAnE wrote: »

Can I join all you wonderful folks? Our mortgage application to Bank Of Ireland will be submitted tomorrow, so the waiting game will soon start.

Good Luck and stick with it. we submitted our 22/5/15 and are only just getting the valuation done tomorrow 12/6/15. the waiting between updates is so stressful but chatting to others in the same situation has been keeping me sane.