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

Bowley

Bowley wrote: »

07/07 - Full mortgage application went in to Halifax
09/07 - Valuation booked for 16/07
09/07 - Mortgage advisor informs us that Halifax can't accept my boyfriends invoices or the copy of his contract, they ask for an employer reference. Boyfriend rings mortgage advisor who speaks to Halifax; they can accept 6 months of his invoices and 6 months of bank statements showing the wages going in instead as their criteria has changed. These are scanned and emailed to mortgage advisor that evening.
13/07 - Mortgage approved subject to a satisfactory valuation.

Hurrah! Mortgage advisor will chase Halifax on Friday to make sure they have recieved the valuation report. She will update us on the progress.

Fingers crossed we will have the offer next week! We go abroad on holiday for a week on Thursday, it'll be nice to come home to a mortgage offer on the doormat. Solicitor has all the searches back, waiting for the offer so we can proceed.

Over the moon after the bad time we had with Nationwide, Halifax have been much quicker! Approved within 4 working days and that's with extra documents being requested and sent. The valuation with Nationwide was approved with no issues, so I'm not expecting any problems. Excellent, I will enjoy my holiday much more now!

16/07 - Valuation carried out.
17/07 - Mortgage offered!

Returned from holiday Friday morning to find the offer and valuation report on the doormat. The solicitor required a copy of the valuation report to get authority to exchange from help to buy, emailed him a copy on Friday. Just waiting to hear on the exchange of contracts now!
Exciting, I can't fault Halifax at all. Much quicker than Nationwide!

EShepherd

Hi

We chose our solicitor from their panel as shopped around for quotes, we then passed it on to our mortgage broker and estate agent. Our mortgage broker advised us to shop around for a few quotes. They notified Precise. We used JMW and they agreed to no sale no fee and have been pretty good so far!

kingstreet

Bowley wrote: »

they can accept 6 months of his invoices and 6 months of bank statements showing the wages going in instead as their criteria has changed

Changed? That's how they've treated sub-contractors for as long as I can remember.

class2ldn

Our application was put in today for the halifax. Hoping it doesn't take too long.
Got an aip for over 50k more then we need so hoping that's a good thing in terms of being approved.

ShawUK

First time buyer, nationwide

16/07 got quotes from advisor
20/07 agreement in principle
22/07 Nationwide received full app
24/07 valuation booked 29/07
27/07 requested employer confirmation of salary
27/07 sent confirmation


Exciting!!! :-)

daisyfrau

Still awaiting a full offer from Halifax for full mortgage application submitted 1 July. Received offer subject to valuation and employer references. Valuation took place 9th July. My employers references took forever to come in. Finally did Monday 20th.

Called Friday for update and was told that the processing sept were not working on any 'new mortgage applications' but we're rather focusing on people switching products at the end of this month. She said my reference had come in 'after the deadline this month' so would not be looked at until the end of the month. I could kick the person who took two weeks to send it back to Halifax!

Halifax advisor said the processing dept will go back to working on new mortgages at the end of the month. Quite upset to hear this is how things work, as we had originally hoped to exchange and complete in early August. We are ftbs, no chain, property is vacant and vendor wants to move quickly (probate property), so we can move quickly.

libf

Application should be going in today, so adding my timeline.

17.05.2015 – House officially reserved with Barratt
26.05.2015 – DIP applied for with Nationwide and referred
27.05.2015 – DIP with Nationwide approved
28.05.2015 – Help To Buy ATP Issued
29.07.2015 – Full application submitted to Nationwide

shaun_1987

my remorgage application with Nationwide

27.07.2015 – DIP with Nationwide approved
27.07.2015 – Full application submitted to Nationwide

How long can the application take?

shaun_1987

27.07.2015 – DIP with Nationwide approved
27.07.2015 – Full application submitted to Nationwide
30.7.2015 - Valuation Booked for 07.08.2015

Is this a good sign?

littlemissbossy

shaun_1987 wrote: »

27.07.2015 – DIP with Nationwide approved
27.07.2015 – Full application submitted to Nationwide
30.7.2015 - Valuation Booked for 07.08.2015

Is this a good sign?

Hi Shaun

This is my experience with Nationwide

22.06.15 Mortgage appt at branch, Decision in principle.
01.07.15 Valuation/Survey
03.07.15 12.02pm Text to say valuation received from surveyor
03.07.15 12.03pm Text to say formal mortgage offer issued
08.07.15 Mortgage offer received in post.