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

MissFTB

Our Halifax full application was submitted last Wednesday afternoon, apparently they have contacted the broker asking a few queries yesterday, then more regarding a couple of defaults I have today.
Really hoping for positive news before the end of the week ������

LauraH28

Mine was submitted 5th August. All docs cleared. Waiting on valuation which is Friday. Have u had a valuation scheduled yet ?

JamesN

i gave a very brief timeline before so updating it now in case it helps anyone.

Mortgage application is with Nationwide through a broker.

1st August - saw property
2nd August - reserved property (new build)
5th August - dip with nationwide
7th August - htb app submitted
11th August - htb authority to proceed given
12th August - mortgage application submitted
17th August - query on form (put plot number instead of house number) sent back within the hour
18th August - valuation scheduled for 21st August

JamesN

Does anyone have any idea what happens with the CashBack for nationwide, like how it gets paid etc.

MissFTB

Hey! No valuation date yet, I really hope this is the next bit of news we get!
They took the fee on applivation, and my broker thinks we should hear before the end of the week. Did you go through a broker?

My timeline so far!
AIP with Halifax- 7th Aug
Saw house, fell in love, offered and accepted - 8th Aug
Full application submitted - 12th Aug
Few queries asked- 18th Aug
.... Now the wait continues! Fingers crossed

LauraH28

JamesN wrote: »

Does anyone have any idea what happens with the CashBack for nationwide, like how it gets paid etc.

Don't quote me on it but I've Hurd its up to 2 weeks after completion

LauraH28

MissFTB wrote: »

Hey! No valuation date yet, I really hope this is the next bit of news we get!
They took the fee on applivation, and my broker thinks we should hear before the end of the week. Did you go through a broker?

My timeline so far!
AIP with Halifax- 7th Aug
Saw house, fell in love, offered and accepted - 8th Aug
Full application submitted - 12th Aug
Few queries asked- 18th Aug
.... Now the wait continues! Fingers crossed

Hey Hun!!! Yeah we used a broker. Our time line is::
View house 29th July.
Contacted broker 1/08 : DIP in minutes
Offer on house that afternoon. Offer declined.
02/08 offer again 2k higher. Offer accepted.
3/08 instruct solicitor
4/08 get all forms together ready for application.
5/08 broker submits application. Text that pm from nationwide to say application recived.
06/08 text from nationwide valuation rescheduled (didn't know it was scheduled)
07/08 application with underweighter wants to know about child benefit. Letter sent off scan/email on
10/08.
17/08 valuation text. Scheduled for Friday 21st. Quick phone all to broker who is certain we should be fine and have an offer Friday pm or sat am. Although I'm not holding my breath. All solicitors searches are back. Deposit is ready to transfer.

JamesN

I've got my solicitor waiting at the minute. Mainly because the developers haven't sent across the contracts yet. Do you think it is worth waiting for the mortgage to come back before pushing it along? I could probably get them to submit it to the solicitor quite quickly.

LauraH28

Our broker recommended that we got a solicitor behind us asap for when the offer(if) it comes though. One of our searches still isn't back but that should be by this week some of them take weeks. Our solicitor also has the draught contract so we are litterally waiting on nationwide. If it's a decline we have lost £300.

Starcee

I'm still waiting to hear anything, valuation went through ok a week ago. Chased for docs, these were all sent on Friday! If I hear nothing today I will be ph