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

mashmash90

kellaree wrote: »

Thank you! Did they seem very thorough with your application? As in, seemed to want a lot of documentation and proof? That is the reason my buyer is giving:

"they keep asking for more documentation and dragging their feed. So i'm going to try another lender who's turnaround time is 10 days"

Not sure, if it's my own EA lying there though....

We were never asked for any additional documentation but our broker's requirements were pretty strict to begin with- 12 months bank statements, proof of deposit, 6 months payslips, 2 proofs of address each, 6 months of savings account statements. We literally provided everything we had before even getting a DIP. It took us about a week before applying for the mortgage to get everything together (order paper statements as we used online banking) but as soon as we applied got a DIP within 2 hours. Our broker was very thorough so it helped when it came to sending the application.

Jackofalltrades29

Applied for mortgage with Natwest through Broker @ 5pm on Monday 12th October, got told we have been accepted today subject to valuation. 1 WEEK from applying to valuation (which is tomorrow)!!

I heard bad things about Natwest admin but must say they've been brilliant!

Good luck to everyone else!

lucywalker25

It was 3 weeks from full application to us getting declined from leeds bs, they have maybe been declined and going with another lender? We are waiting on the valuation being instructed with new lender but our sellars know all this and are happy to wait thank goodness

DebtFree2012

We have now received our mortgage offer Super pleased so off to exchange board.

kirtsypoos

Congrats!!

DebtFree2012

Thank you hun.

kellaree

lucywalker25 wrote: »

It was 3 weeks from full application to us getting declined from leeds bs, they have maybe been declined and going with another lender? We are waiting on the valuation being instructed with new lender but our sellars know all this and are happy to wait thank goodness

Does anyone know if Leeds are quite fussy? Do you know why you were declined?

That's the most frustrating part, that we weren't kept in the loop. We were told everything was going through etc, they came to measure up and now they've dropped this on us. If they'd said they were having a few issues we would have been more understanding.

sunnyx

Offer finally confirmed with Nationwide. Overall 1 month from application to formal offer.

18th September - AIP via Broker

19th September - Full Application via Broker

There was some queries in relation to the deposit and the source of where the funds had come from.

28th September - Valuation rescheduled

No idea why it was rescheduled but caused further delays!

9th October - Valuation completed

Some queries with my recent overtime and child benefit.

20th October - Formal offer via Text message!

Good Luck everyone.

Now will wait for the formal paperwork to arrive. Good luck everyone on here,hope you get a decision soon

Ben2247

Hi everyone,

Applied for DIP 15/10/15 accepted same day
Mortgage broker submitted full application 17/10/15
Valuation rescheduled today :-( don't know why.

It's only been 5 days and it's felt like 5 weeks. Fingers crossed

looknohands

Applied today with Virgin, borrowing 155k, I'm self employed SA302, 44k 14/15, 33k 13/14, girlfriend 15k a year, initial AIP was ok so fingers crossed, paid for valuation today, obviously I'm convinced there will be a problem somewhere along the way, mainly due to being self employed.. but fingers crossed.