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

rizwan567

Can I join? My timeline:

• Offer made: 14 Nov 13.
• Offer accepted: 15 Nov 13.
• Mortgage application made with santander on phone: 15 Nov 13
• Salary slips, ID and initial inquiry form filled & uploaded on online Santander portfolio.
• Full mge application made on the phone with mge consultant on 23 Nov 13.
• Proof of deposit requested and uploaded on my online santander portfolio.
• KFI received in post on 27 Nov 13

On 27 Nov 13, I was told that my application is with the validation team and once validated they will pass it to underwriters. I should expect a reply from underwriters by the end of Friday 29 Nov 13. I did not receive any reply. Today morning I called them and they told me that my application has been passed to head office for the decision! And I should expect reply from them by the end of this week!!!!

I am feeling sick, angry, disappointed etc etc.... They never told it before that this is a part of process and all of a sudden they told me this today. My question here is; is it a normal thing that case is refereed to headoffice during/after underwriters are working on it? OR my case is exceptional? My estate agent is calling my every second day to get the valuation date and I am stuck.

Kindly and please shed some light on the issue to relieve my nerves. Many thanks.

Nelly321

FTB_Doll wrote: »

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

Pipped us by 4 days! Congrats!!!!

bylromarha

Okay - here goes nothing. Will be good to see it typed out I guess in a few months from now.

28/11 - viewed house
28/11 - AIP given by HSBC
30/11 - 2nd house viewed - already had an offer on, so had to decide where to put offers. Offer put in with request of a quick decision.
2/12 - Offer accepted. Mortgage application completed.
3/12 - Paperwork requested taken to branch

LindaBee

Hiya all, I have been watching with sympathy, and sometimes hope and joy, as I watch you guys go through the painful process that I am going through...

tiz brill to watch some of you exchange.. and even complete :j :T

I tried to type my long drawn out case with Santander, but it took so long, the system logged me out, and my very very L O N G post was lost haven't got the heart to do it again, so I just thought I'd say hi

I'll just add I've been through a bit of :j and

and then and :mad:


but now I'm at :wall:... blurgh.

faeryty

Okay, I'm playing too.

19/11 - AIP from RBS (over the phone)
23/11 - House viewed. We liked it
27/11 - 2nd viewingHouse viewed again. We still liked it.
30/11 - Offer made
02/11 - Offer accepted.
Since receiving our AIP we have found better rate with Yorkshire building society, so and have booked in on Thursday with them:
05/11 - initial application with Yorkshire (over the phone)


But now I've spent a couple of hours looking around here and it looks like Yorkshire have particularly strict criteria and I'm stressing whether it's a good plan to go with them for the sake of a 0.1% lower rate and £500 cashback (less £130 application fee), rather than the govt backed RBS mortgage.

I don't like this game very much.

Dan:_4

Update on my case:

Sat 9th Nov - Viewing and offer made
Wed 13th Nov - Offer accepted and got Nationwide DIP
Fri 15th Nov - Full Application submitted and payslips, p60, bank statements etc scanned
Sat 16th Nov - Survey booked for 29th Nov
Tue 19th Nov - Employers reference requested (for wife on maternity)
Fri 22nd Nov - Mortgage approved by underwriter subject to survey
Tue 26th Nov - Survey bought forward, all okay and mortgage offer in post
Tue 3rd Dec - Sigend mortgage deeds, contract, transfer etc
Tue 3rd Dec - Searches complete - awaiting report

savingbee

so annoyed.. still no word about vendor signing her contract.. had an arranged completion date of this Friday. was led to believe last week that everything was in place to exchange until I get told no signed contracts! no response from seller since Friday and I'm starting to think the worst! x

Dan:_4

savingbee wrote: »

so annoyed.. still no word about vendor signing her contract.. had an arranged completion date of this Friday. was led to believe last week that everything was in place to exchange until I get told no signed contracts! no response from seller since Friday and I'm starting to think the worst! x

That's harsh! What are the estate agents saying?

savingbee

Dan: wrote: »

That's harsh! What are the estate agents saying?

Not a lot to be honest. I have rang them daily since Friday and everyday it's 'we'll try her again'. I even rang my broker today for a rant but he can't do anything. my sols have been really good but can't do anything until the other side get the contract signed. been told that as long as it is signed by Friday I can still complete but I don't think it's going to happen. feel bad for phoning estate agents but I don't want them to forget! if that makes sense x

Dan:_4

savingbee wrote: »

Not a lot to be honest. I have rang them daily since Friday and everyday it's 'we'll try her again'. I even rang my broker today for a rant but he can't do anything. my sols have been really good but can't do anything until the other side get the contract signed. been told that as long as it is signed by Friday I can still complete but I don't think it's going to happen. feel bad for phoning estate agents but I don't want them to forget! if that makes sense x

That's horrible. It's the not knowing what's going on that's the worse. Don't stop hassling the estate agents over this!!