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

maria000_2

HI,
Has anyone applied with TSB? valuation was done on the 26th, how long would it for the remaining process? if all goes well with the valuation report.

kayb3ll

kayb3ll wrote: »

I'm a long-time lurker on this thread, so I thought I would pipe up!

We are FTB buyers in Scotland applying to Nationwide through a broker.

05/01 -- Offer accepted
08/01 -- DIP
10/01 -- Full application received
12/01 -- Requested evidence of savings over 12 months and bank statements showing our December salary credits (argh my statement isn't generated until 19th Jan!)
13/01 -- Valuation booked (as it is in Scotland, I assume this means home report requested)
14/01 -- Home report received and agreed

My broker has advised we are literally just waiting on my January bank statement and final checks, so I keep checking my online banking in case my statement is up already :rotfl:

We do complain over how "long" it takes... It really is quite quick but feels like an eternity! :rotfl:

22/01 -- Statement with Dec pay credit sent over
27/01 -- Advised that there was going to be a delay due to the fact that our statements needed to be redacted before uploading into NW's systems but broker was trying to get the case escalated...
27/01 @ 1535 -- Mortgage Offer! :T :T

I can now finally start to feel like I am close to owning a house!

WorriedFTB_2

Hello there this my first post here

FTBs buying 25% share-Property value£ 430K
Mortgage needed -£101K
Income £60K

10th - House Viewed
11th Jan - Put offer
13th Jan - offered accepted
14th Jan - Memorandum of sale received
15th -AIP accepted by Leeds
16th -Full application submitted by Broker
22nd - Mortgage declined due to an AP ( I paid my overdraft in 2014 voluntarily but Nationwide put an AP on my credit score, appealed with Omusbam but I lost it as Nationwide claims to have made clear to me that the AP would affect me in future).

25th -AIP approved by Kent reliance they disregarded the AP as it has been 2 years.Thank God my only chance .
26th -Referred to underwriter-then accepted to submit the whole application
27th-Full application submitted by broker
28th - so nervoussss !!!!Please wish me luck xxxxI wish all the best XXxx

So we are waiting However I am worried it might be declined again due to a car loan and some credit cards that we have ...


Nervous:)

uwecat

Ahh may I join in..
FTB here..we have 13% deposit so require the mortgage of £135k.

21/01 AIP obtained from Natwest via Broker
23/01 Viewed the house and put an offer in
25/01 Put a higher offer in as we love the house, offer accepted.
26/01 Full Application submitted with supporting documents- broker said we should hear by Friday29/01
28/01 Been told today it will more likely to be next Tuesday to find out if it passes the underwriters..

Nerve-wracking..I hate waiting!!
-

Jones87

KatyJane & BelfastFTB,

Took your advice and called them today. Our Mortgage was approved Friday, the same day they received the valuation but for some reason we were never informed/never sent in the post.

Mortgage timeline:

18/01 - DIP Nationwide
18/01 - HTB application
20/01 - HTB Authority to Proceed
20/01 - Full Application
21/01 - Valuation Booked
22/01 - Valuation Done & received
28/01 - Formal Mortgage Offer - Although the lady I spoke to said it was all approved on the 22/01 but was never sent to us.

Hopefully receive the offer in the post in the next couple of days!

Nickuk84

Let me know how this goes, We are using Kent Reliance, and having valuation done on Monday, very nervous.

KatyJane_2

Jones87 wrote: »

KatyJane & BelfastFTB,

Took your advice and called them today. Our Mortgage was approved Friday, the same day they received the valuation but for some reason we were never informed/never sent in the post.

Mortgage timeline:

18/01 - DIP Nationwide
18/01 - HTB application
20/01 - HTB Authority to Proceed
20/01 - Full Application
21/01 - Valuation Booked
22/01 - Valuation Done & received
28/01 - Formal Mortgage Offer - Although the lady I spoke to said it was all approved on the 22/01 but was never sent to us.

Hopefully receive the offer in the post in the next couple of days!

Wow, yours has gone through so much faster than ours! I'm glad you decided to ring, got you some great news :T

Our full application was done on 6th Jan and I've had an email from Nationwide this afternoon saying the mortgage has been approved and the formal offer is in the post. Ours has taken 22 days due to the advisor not checking our documents during our appointment and then several trips to branch and them not faxing them over. I'm in two minds whether to complain about all the messing around we've had as it could of been sorted during our appointment had the staff member done his job and checked our documents.

How far have you got with the solicitors?

Jones87

KatyJane wrote: »

Wow, yours has gone through so much faster than ours! I'm glad you decided to ring, got you some great news :T

Our full application was done on 6th Jan and I've had an email from Nationwide this afternoon saying the mortgage has been approved and the formal offer is in the post. Ours has taken 22 days due to the advisor not checking our documents during our appointment and then several trips to branch and them not faxing them over. I'm in two minds whether to complain about all the messing around we've had as it could of been sorted during our appointment had the staff member done his job and checked our documents.

How far have you got with the solicitors?

Congrats! Hopefully it all goes smoothly for you from now!


Even though we were advised not to we paid our solicitor for the searches the day after our full app went in. We were given a deadline of the 19/02 for completion so we thought we'd take the risk just to get the ball rolling. I need to call them to see how its progressing.

maria000_2

I'VE RECEIVED MY OFFER TODAY!!!!
Mortgage application was submitted on the 5th of Jan

dgtazzman

Had another update on my new application with Nationwide. MA finally found out why they were being so awkward asking for extra information and delaying. Seems somebody entered my address incompletely in their system, so I guess it was flagged for possible fraud.

MA sorted it yesterday with Nationwide and as of today everything has been ticked as satisfied and an official offer is expected sometime next week