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

juliat20

Lungboy wrote: »

Full application made, went with TSB on a 5 year fix at 2.29%. I don't know why I was so stressed, the meeting went very well and the broker thinks we should have no problem securing the mortgage. Fingers crossed now that the surveys are ok.

Brilliant Lungboy, we all worry when we shouldn't. We're daft really. Hope all goes well.

uncreative

Hi All,

Just had an offer accepted today on a house and have applied to Natwest/RBS (who we both have banked with for 20+ years) online. All details filled out and submitted.

Apparently have to wait 5 working days for acknowledgement, 5 working days for assessment, another 5 days to get back to me with any follow up questions and a final 5 working days once all info received before taking it to the valuation stage?! Even if I get all my paperwork in order it could take over a month to get an offer:eek::eek:

Anyone with experience of Natwest/RBS?

Any views?

JamesN

ktcoil wrote: »

Hi guys sorry to But in on the wrong forum but cant really seem to find anything, does anyone know a forum or link for first time buyers, we are currently saving but not far off the deposit and wanted to know what next and what stages we need etc and maybe what different fees etc we are going to need on top of just going to the bank to ask for a mortgage loan?


thanks

http://www.moneysavingexpert.com/mortgages/

Click on the first time buyers tab on there. Should also be a guide you can download on there.

JamesN

Just popped on to say... Formal mortgage offer issued!!!! Very chuffed. Will be popping over to the waiting to exchange thread now but will pop back now and then.

Good luck to the rest of you. Rant away summerjames, better out than in. I'd be annoyed too!

LauraH28

JamesN wrote: »

Just popped on to say... Formal mortgage offer issued!!!! Very chuffed. Will be popping over to the waiting to exchange thread now but will pop back now and then.

Good luck to the rest of you. Rant away summerjames, better out than in. I'd be annoyed too!

I'm so pleased for you!!

set

JamesN wrote: »

Just popped on to say... Formal mortgage offer issued!!!! Very chuffed. Will be popping over to the waiting to exchange thread now but will pop back now and then.

Good luck to the rest of you. Rant away summerjames, better out than in. I'd be annoyed too!

Congratulations JamesN really please for you :T:T

summer_james

JamesN wrote: »

Just popped on to say... Formal mortgage offer issued!!!! Very chuffed. Will be popping over to the waiting to exchange thread now but will pop back now and then.

Good luck to the rest of you. Rant away summerjames, better out than in. I'd be annoyed too!

Congratulations, you are finally out of the limbo hell, yay!!

Thanks, I think I am ranted out at the moment lol

summer_james

uncreative wrote: »

Hi All,

Just had an offer accepted today on a house and have applied to Natwest/RBS (who we both have banked with for 20+ years) online. All details filled out and submitted.

Apparently have to wait 5 working days for acknowledgement, 5 working days for assessment, another 5 days to get back to me with any follow up questions and a final 5 working days once all info received before taking it to the valuation stage?! Even if I get all my paperwork in order it could take over a month to get an offer:eek::eek:

Anyone with experience of Natwest/RBS?

Any views?

Yep, pretty much the same for me :eek: Full mortgage app went in on 14 August but because of the survey delays, my Homebuyers Report survey is not book until 15 September so over a month! Such a pain in the bum, limbo is pretty nasty. But hey ho, I am just saying to myself hopefully by Christmas I will be settled, fingers crossed

vigneshWaran

Mortgage promise obtained in April, found a house, offer accepted June 28th, meeting at Halifax July 1st for application and paid for a property check & valuation. Valuation last Wednesday came up at 10k less than the offered price, application was then put on hold, re offered at the 10k less, offer was accepted on Wednesday, application process started again yesterday.....
Thanks!

Joannenicola

I'll join.
FTB with my other half.
Offered on the house on the15th Aug, offer accepted 17th.
Mortgage application sent 24th Aug with Nationwide.
Valuation booked for the 15th Sept.
The waiting for the valuation is the worst, keeping my fingers crossed though!
Doesn't help the fact we go on holiday on the 19th Sept but at least we'll be able to relax for a bit!