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

Starcee

Hello,


Does anyone know what it means if I've received an email to say I have a revised mortgage offer in the post? I received my offer last week.... I don't understand how anything could have changed within that time! :(:(

Lungboy

My full structural survey went ahead today, and other than a few minor things you'd expect for a 30s house, it is in very good shape. Valuation survey on Friday and then it should be the home stretch. However, I have a quick question I can't find the answer to: I keep reading in various threads that a solicitor must be on a lender's panel to act for a buyer. I've not heard anything about this at any step of my process, I simply appointed a solicitor and then applied for the best mortgage I could. Have I messed up?

DebtFree2012

Survey came back a lot lower than we offered and vendor won't budge

marksoton

Starcee wrote: »

Hello,


Does anyone know what it means if I've received an email to say I have a revised mortgage offer in the post? I received my offer last week.... I don't understand how anything could have changed within that time! :(:(

Not Nationwide per chance?

DebtFree2012

No one asked about lender's panels for my mortgage though I read the same as you - all fine.

pollyanna24

Thought I'd join in, although my wait is getting silly.

I am remortgaging and borrowing more to buy my brother out.

Mortgage application - 7th August
Driveby valuation - 10th August

Still waiting for mortgage offer. Delays been to Nationwide not being happy with various documents, I kept giving them more and more and think finally am at the stage of them having everything since 3rd September.

juliat20

TB1987 wrote: »

I can't believe I am about to type this - we got our mortgage offer yesterday! Eeeek it was so exciting, my fiance got home just before me and said look look and we opened it together, it was an amazing feeling!!

Good Luck to the rest of you, I will be popping back on to see how you all get on!

Congrats TB1987, I've just popped back to see how everybody is getting on. :j

MissFTB

Hi all! So after a few weeks of barely any sleep and constant googling... We got our mortgage offer today!!
Over the moon

To anyone out there who doesn't have a crystal clear credit history there is definitely hope out there! I've been terrified of being rejected due to several defaults going back 4-5 years... However it looks like all has gone through okay!

Can't thank my broker enough for putting up with me these past few weeks... Now on to the waiting to exchange board! 😁😁😁

Good luck to everyone xx

kirtsypoos

Hi everyone, I hope you don't mind if I join you?

After a few false starts we had an offer accepted on a house on Wednesday evening and met with our broker last night to complete the full application. Valuation fees have been taken this morning so hopefully it will be smooth from here!

It's nervewracking as although my credit score is good I have a lot of debt (working my way down thanks to DFW forum!)

Quick question though - we agreed with our broker to go with Halifax, however a mortgage credit check has shown up from RBS on my experian....anyone know why this might be?

Fingers crossed for us, and for everyone else waiting!

K x

summer_james

kirtsypoos wrote: »

Quick question though - we agreed with our broker to go with Halifax, however a mortgage credit check has shown up from RBS on my experian....anyone know why this might be?

Same here, they are part of the same banking group. They were all over my credit report too.