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

pennypot1

Congratulations Foxholes! I've been following your process for a while! And thanks for the tip on the transfer fees. Will do that too when it comes to it

gjheward91

congrats foxholes !!!!
Mines been a nightmare today, Housing association cannot let it go past 31st March - Lender needs 3 working days to order funds....
So I have managed to get Lender to agree to get the funds across Thurs 31st.... but!...... it can take until midnight!? Am going to be on edge all day Thursday!

f0xh0les

It is ridiculous that in this day and age, when I can transfer funds immediately to my solicitor's account, that they keep on with this outdated notion of a £25 CHAPS charge plus their fee for arranging it (which can be up to £25).

The solicitor looked surprised when I said I would transfer the amount over 2 days, but when I explained why, she thought it was a very sensible idea. Which, of course, it is!

Mr_Potato

Sadly the max with HSBC is £10k per day (on my advance account anyway. So even if me and the OH did it, we can only 10k each and not the joint account, so it would be 3 days for us to transfer the deposit money, or 6 if from only one of us

MEEEE

Well my valuation report was reviewed the nationwide valuation under valued the property 3k less so not eligible for initial product now stressed I hav to choose another and broker is away for a week now after tumorw

bambos

Progress update.

Husband has a mortgage with Halifax and we have applied for a new mortgage offer with them adding me at the same time. Halifax have done all their checks and gone through all of our paperwork and earnings (2hr meeting) Halifax wrote to my employer as I work term time only and they wanted confirmation of my monthly earnings so we sent that back on Tuesday.

The solicitors have been in contact and sent us the deeds to sign but not date which we sent back, we then revived the land registry documents and we have signed them today and had them witnessed so posting them tomorrow.

I emailed the mortgage advisor at Halifax asking where in the process we are and he said everything's going through and all he was waiting for was the employer reference.

I'm not really sure what he means as I thought that we had to wait for the land registry to be changed by the solicitors

Lemonade_lifestyle_2

Easter bank holidays + mortgage application hanging the balance = can't keep my mind on anything!!! Aaaaaargh!!!

Roll on Tuesday to see if we get a(nother) mortgage offer from Halifax.

VictoriaOz

26/03 received from solicitor mortgage deeds , will return Tuesday.
What next step?

f0xh0les

VictoriaOz wrote: »

26/03 received from solicitor mortgage deeds , will return Tuesday.
What next step?

Depends if you have already had your searches and surveys done.

If you have, then it is transfer the deposit and arrange an exchange and completion date and pick up the keys.

If you have not, then it is searches and surveys and about 3 weeks until you do the above.

VictoriaOz

f0xh0les wrote: »

Depends if you have already had your searches and surveys done.

If you have, then it is transfer the deposit and arrange an exchange and completion date and pick up the keys.

If you have not, then it is searches and surveys and about 3 weeks until you do the above.

Thanks for your answer
Surveys is done,not sure about searches. Will speak with sol and MA only at Tuesday.