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

savingbee

so I was supposed to be exchanging yesterday! but just found out the sellers haven't returned their signed contract to their solicitor yet. arrghh!! I've just emailed mine back asking if it's going to delay on completing next Friday.. no reply!! so annoyed right now x

GBNI

Just got an e-mail from the solicitors with an attachment fromthe bank's Head Office, they are missing proof of OHs probabtion period being over and most recent payslips. These were provided weeks ago Our contact in the local branch is off until Monday!

pinkteapot

Wooo yeah!! Broker just called - Santander have emailed him. The valuation was done yesterday and they're happy so we're approved - mortgage offer will be with us within three days!!

19/11 - application submitted by broker
22/11 - Santander initial team requested fresh copies of some docs
25/11 - Santander completed our file and passed it to underwriting
26/11 - underwriters approved us, passed on for valuation to be booked
28/11 - valuation carried out
29/11 - verbal confirmation of approval
Should receive offer in post by 4/12

I'm slightly sceptical as to whether Santander actually did their valuation or just charged us £490 for it and approved us anyway as our LTV is so low! (Unconvinced as it happened so fast). But in any event I'm not complaining.

savingbee

pinkteapot wrote: »

Wooo yeah!! Broker just called - Santander have emailed him. The valuation was done yesterday and they're happy so we're approved - mortgage offer will be with us within three days!!

19/11 - application submitted by broker
22/11 - Santander initial team requested fresh copies of some docs
25/11 - Santander completed our file and passed it to underwriting
26/11 - underwriters approved us, passed on for valuation to be booked
28/11 - valuation carried out
29/11 - verbal confirmation of approval
Should receive offer in post by 4/12

I'm slightly sceptical as to whether Santander actually did their valuation or just charged us £490 for it and approved us anyway as our LTV is so low! (Unconvinced as it happened so fast). But in any event I'm not complaining.

Depends what area you are, but it took 11 days for Santander to get a valuation on the house I'm buying. congratulations.. fun times ahead

itsmitchelltime

itsmitchelltime wrote: »

16th November Reserved
21st November Valuation fee taken
22nd November Mortgage app submitted to Halifax by broker
25th November HTB ATP received
27th November Solicitor processing ID

I need to find out when valuation is booked for, our development isn't open all week so they had to take opening times.

Valuation booked for 11th!!! :mad: 2 and a half weeks! It's putting my exchange date of 20th at risk.

Hoping I can get an extension, although I'm not sure as they've just put the same house opposite up for £10k more. So as looking like missing their year end figures (think 20th is last day they can process paperwork for it to count in 2013), personally I can see them putting it back on the market at the new price.

FTB_Doll

Exchanged at last! Completion set for Monday x

LewyUK

a little uptade on our case

22/10 found a house on right move on
23/10 AIP with Natwest
25/10 view the house..its lovely
30/10 offer accepted
03/11 Mortgage application submitted with Natwest for 90% LTV
13/11 Mortgage accepted subject to valuation
15/11 Valuation booked for 18/11

19/11 Valuation approved
22/11 Offer in post
25/11 Offer in hand

We waiting for searches.. they should be 3/12

Advisor said its possible for exchange and competition this week so excited

Nelly321

AIP 28/09
Offer accepted 09/10
Mortgage applied 11/10
Mortgage accepted subject to valuation 15/10
Valuation & Survey Booked for 29/10
Valuation Received 31/10
Valuation Accepted 04/11 (£1,000 Less - No retention)
Formal Mortgage Offer Received 05/11
Searches received 20/11
Signing contracts 27/11

Exchange planned for 29/11
Completion planned for 6/12

Contracts signed 27/11
Exchanged and deposit paid 30/11

Completing Friday!!!!!!

savingbee

savingbee wrote: »

so I was supposed to be exchanging yesterday! but just found out the sellers haven't returned their signed contract to their solicitor yet. arrghh!! I've just emailed mine back asking if it's going to delay on completing next Friday.. no reply!! so annoyed right now x

really hoping for some good news today! fingers crossed x

FTB_Doll

And..........we have the keys! Thank God!

Our timeline.....

Made offer - 9th Oct
Application Submitted - 11th Oct
Asked for payslips - 17th Oct
Valuation - 31st October
Offer received - 4th November
Survey - 12th November
Searches complete - 25th November
Exchanged - 29th November
Completed - 2nd December

xx