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

Nessa56

Hi sky view.

We applied for Santander on 17th August and got offer on 3rd Septmber. There was a bank holiday in between as well

We completed on 2nd November so have been in a couple of weeks now so onwards and upwards

Good luck

V
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skyview

Hi Nessa56,
Thanks for your reply,
I need to have my offer before 16th December as my reservation with new house builder expires.
Hopefully will hear something next week as per the broker....

Nessa56

skyview wrote: »

Hi Nessa56,
Thanks for your reply,
I need to have my offer before 16th December as my reservation with new house builder expires.
Hopefully will hear something next week as per the broker....

I am sure there is time for you just don't delay with any details/paperwork they ask for and hopefully you will be fine

Good luck and do let us know won't you

V
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NewMumSavingCash

17/11 Full application submitted to Halifax
18/11 Application approved subject to valuation
23/11 Valuation booked for 26/11
27/11 Mortgage broker confirmed offer has been made


Woo hoo...... over to the waiting to exchange thread now

29Found

Hi All,

Can I join please?

We are FTB and we have applied for a mortgage online with Nationwide.

21st November - DIP approved.
24th November - Mortgage applied for. Last month's bank statement and payslip requested for me and OH. Valuation requested and a Text received to say they had the application.
25th November - Documentation sent in.
27th November - Bank Statements were marked as satisfactory. Text to say valuation report had been received. Building Insurance Rebuild/Reinstatement value is given.
1st December - Email from case advisor introducing herself. Payslips marked as satisfactory.

Hope we get our offer soon!

aimrie

29Found wrote: »

Hi All,

Can I join please?

We are FTB and we have applied for a mortgage online with Nationwide.

21st November - DIP approved.
24th November - Mortgage applied for. Last month's bank statement and payslip requested for me and OH. Valuation requested and a Text received to say they had the application.
25th November - Documentation sent in.
27th November - Bank Statements were marked as satisfactory. Text to say valuation report had been received. Building Insurance Rebuild/Reinstatement value is given.
1st December - Email from case advisor introducing herself. Payslips marked as satisfactory.

Hope we get our offer soon!

I applied on the same day as you for FTB mortgage with the nationwide. At the exact same stage as well, I take it you are in Scotland with the valuation being accepted so quickly? Would be good to let us know if you hear anything more!

skyview

skyview wrote: »

Hi Any one applied for santander and waiting for decision?
i Have applied on 22nd november (Full Application through broker)
Valuation finished on 24th November
provided additional documents today on request 27th November

when would I likely to hear from them?

Nessa56 wrote: »

I am sure there is time for you just don't delay with any details/paperwork they ask for and hopefully you will be fine

Good luck and do let us know won't you

V
X

Received formal mortgage offer from santnader 02-12-2015.
Thanks everyone and Nessa56.

29Found

aimrie wrote: »

I applied on the same day as you for FTB mortgage with the nationwide. At the exact same stage as well, I take it you are in Scotland with the valuation being accepted so quickly? Would be good to let us know if you hear anything more!

We are in the south east of England. I spoke to Nationwide yesterday who said that we have passed everything so far and that the application is in the final checks stage. Apparently they have up to 3 days to do this so we will have an answer by Friday at the latest!

Good luck for your application and keep us updated!

Nessa56

skyview wrote: »

Received formal mortgage offer from santnader 02-12-2015.
Thanks everyone and Nessa56.

:j brilliant. Good luck

V
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Pablosammy

Well, I feel sick with nerves! Our application has been submitted via our broker to Santander. They've instructed a valuation (not sure if this is a good sign or not, as I think they immediately instruct valuations when opening cases these days).

We earn more than enough (we'll be borrowing approximately 3x salary, and will have over £2k left each month AFTER paying the mortgage), but we've only recently acquired the deposit funds through inheritance and some savings, as I've been concentrating on paying off a loan.

We don't have bad credit, but only recently moved, and although we've had the letter showing we're on the electoral roll the credit agencies don't appear to have been informed yet.

I'm not optimistic, despite the fact that affordability is not an issue at all. I'm just worried the other factors will make them write us off.

Anyway, fingers crossed!