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

Berger_3

STILL waiting to heat from Nationwide.


Was told on Friday we will definitely hear by COB Tuesday. Called just before COB on Tuesday and was told "Oh, somebody has had their name against the case since the 17th, so nothing has been done yet"


Called again yesterday and was told "We will send another email to Glasgow"


The full app was in, val carried out and all requested docs were with them by the 3rd of Feb.


Since then all the searches for my purchase have come back, all the questions to the vendor have been answered, the management pack has come back for the flat I'm selling and my buyer has had all his questions answered, all his searches done and everybody is ready to exchange contracts.


When this is all resolved Nationwide will be getting one huge complaint.

shazzer22

Afternoon all, just called and someone is scheduled to review our case today, I'm glued to the phone and checking emails every time something pings!

f0xh0les - anything more you can do to bring forward your valuation? I managed to get ours brought forward but had to downgrade it to a basic valuation (enough to satisfy lender)

Berger 3 - I've raised a complaint with our lender over the way they've handled our application, made them assure me it wouldn't prejudice our application, got a letter to say they are investigating my complaint and would respond in approximately 4 weeks! Says it all really!

shazzer22

Argh! Powers of MSE must be working... second I hit post I had this email pop into my inbox

Just to let you know I have today received the valuation report back from our valuers for your application.

This information has been reviewed and at this stage it is all I require to proceed with your application.

I will now pass the application for final sign off and will aim to provide you with an offer of loan as soon as possible

How long is 'as soon as possible!' ?!

f0xh0les

about as long as a piece of string?

No luck with the Lender's valuation being brought forward, nobody knows why it is not until 2nd March considering it is an empty property and the EAs have keys.

My buildings survey came back yesterday. The surveyor wont give me an idea of value!!!! What was the point in that??

He wrote:
[FONT=&quot]The best way to proceed is to go through the report with a high lighter and then re visit the property, report in hand, to see for yourself what is involved immediately and short term.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]The value of the house as it stands very much depends upon the cost of the essential items and more particularly any repairs that you didn’t know about or take account of in your presently agreed offer.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Quotes from contractors are needed before it can be valued properly.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]The valuer will assume the worst when he visits so expect a low figure.

???????? How long was that piece of string again?????
[/FONT]

shazzer22

Sorry for all the posts but... wow! Mortgage approved! Finally! :beer::beer::beer: Just had a call from the underwriter to confirm.

Sorry f0xh0les that sounds pants - I hope your piece of string is as short as ours has been today!

I originally had a valuation date of 29th, but called back lender to say not good enough, they then went out to another valuation firm that they use to see if they could get a better date. I really had to push for it but they did get it. Apparently it's down to the region you are in and surveyor availability.

f0xh0les

Yay! Congratulations Shazzer22, fingers crossed all goes well, I don't think moving house is at all stressful, dealing with the mortgage people is the stressful bit.

Off to commission a cctv drains survey, a roofing survey, and get a quote for remedial damp proofing.

£££s

williamcross92

I've started the process myself, thanks to MSE for all the help, especially this forum and thread. Looking forward to moving out of the family home, at 26 I think I should be in my own place by now!! As much as I love living with my mum dad and sister haha! Wish me luck

shazzer22

williamcross92 wrote: »

I've started the process myself, thanks to MSE for all the help, especially this forum and thread. Looking forward to moving out of the family home, at 26 I think I should be in my own place by now!! As much as I love living with my mum dad and sister haha! Wish me luck

Good luck!:j

afooksy

Got a text from Barclays today with a Ref number to log on online. Logged on and it says a mortgage is with the underwriter and a valuation has been instructed. No date yet though.


Anyone had any experience with Woolwich/Barclays?

WorriedFTB_2

We are still waiting !
Had to instruct the Home Buyer Report otherwise the vendor will loose his patience .....

Monday I send my Feb statement which is what is pending ... I hope I will know then �� 8 wks is a long time !

Well done to those that got offers !
And welcome to those that joined the waiting games Xx