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

Levs01

sash_berry wrote: »

Thank you Levs01,

So it means if they didnt ask for the keys from the agency then valuation is not done yet.

The agency would normally know if it's been done yet or not. If they haven't arranged it then it probably hasn't happened. Who's the lender?

yessuz

Well, paperwork submitted to Santander via broker (LandC)

95% LTV. FTB. fingers crossed now.

ap1985

yessuz wrote: »

Well, paperwork submitted to Santander via broker (LandC)

95% LTV. FTB. fingers crossed now.

You will be fine I've had a really good experience with L&C.

hammergirl28

So had the decision in principle with HSBC (22% above what we are asking to borrow but given how may problems people have had on here with the difference between the in principle decision and the full offer not counting chickens yet! )

Filled in the online application and have today posted all the documents to HSBC if the valuation comes back at around the value we are paying then we will have a LTV of 53% so hoping everything goes through smoothly. Fingers crossed they wont take too long !

ap1985

hammergirl28 wrote: »

So had the decision in principle with HSBC (22% above what we are asking to borrow but given how may problems people have had on here with the difference between the in principle decision and the full offer not counting chickens yet! )

Filled in the online application and have today posted all the documents to HSBC if the valuation comes back at around the value we are paying then we will have a LTV of 53% so hoping everything goes through smoothly. Fingers crossed they wont take too long !

Good luck with the whole process.

[Deleted User]

Remortgage to get ex partner off the mortgage and deeds!

31/07 Submitted online with Nationwide
02/08 Uploaded all information requested
04/08 Valuation booked for 10/08
05/08 Nationwide declined due to me putting down childcare costs lower than on my tax credit form, I haven't had my new award notice so they have to use the previous income and childcare costs shown on that. They said I needed to go in branch as a longer term was needed and i'd need advise
10/08 Valuation done and ok (yay)
19/08 Resubmitted in branch consultant thinks no issues now and should hear this week
30/08 Offer
21/09 All Paperwork received by solicitor
28/09 Potential completion date :T

My advice, be absolutely sure when buying a house with someone! I'll never do it again i'm only 35 it's more hassle then it's worth :rotfl:

yessuz

yessuz wrote: »

Well, paperwork submitted to Santander via broker (LandC)

95% LTV. FTB. fingers crossed now.

Got news today:

"the case has now been agreed subject to the valuation."

So now, the question is, how much they are going to value the house...

Do they (Santander) do valuation in person, or they use local estate agents, or what is the process?

Shmo

L&C just got me an offer from Coventry BS in 9 days which was rather impressive to me. That includes time spent waiting for physical documents to arrive showing proof of address as everything seems to be done by email these days.

Nothing left to do now except badger the solicitor and check rightmove f̶o̶r̶ ̶b̶e̶t̶t̶e̶r̶ ̶p̶r̶o̶p̶e̶r̶t̶i̶e̶s̶ to confirm I made the right choice.

kingstreet

yessuz wrote: »

Do they (Santander) do valuation in person, or they use local estate agents, or what is the process?

A panel of national chartered surveyors such as Esurv, L&G, Connells, Countrywide etc is used and your valuation will be "panelled" to one of them.

ap1985

Shmo wrote: »

L&C just got me an offer from Coventry BS in 9 days which was rather impressive to me. That includes time spent waiting for physical documents to arrive showing proof of address as everything seems to be done by email these days.

Nothing left to do now except badger the solicitor and check rightmove f̶o̶r̶ ̶b̶e̶t̶t̶e̶r̶ ̶p̶r̶o̶p̶e̶r̶t̶i̶e̶s̶ to confirm I made the right choice.

I have to say L&C are so good at pushing the Lenders