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

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  • Shmo
    Shmo Posts: 53 Forumite
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    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
    kingstreet Posts: 38,788 Forumite
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    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.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • ap1985
    ap1985 Posts: 325 Forumite
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    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
    :jFinally going to be a homeowner:T
  • Levs01
    Levs01 Posts: 224 Forumite
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    We have our mortgage offer this morning :D

    Just need to get the BTL remortgage finalised now :eek:
  • ap1985
    ap1985 Posts: 325 Forumite
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    Levs01 wrote: »
    We have our mortgage offer this morning :D

    Just need to get the BTL remortgage finalised now :eek:


    Congratulations :)
    :jFinally going to be a homeowner:T
  • chrislee2810
    chrislee2810 Posts: 117 Forumite
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    Levs01 wrote: »
    We have our mortgage offer this morning :D

    Just need to get the BTL remortgage finalised now :eek:

    Congratulations
  • chrislee2810
    chrislee2810 Posts: 117 Forumite
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    We had a few issues with our accounts (wife self employed). Advisor has spoken to the mortgage company and they seem OK with it. I have to say that I have a great mortgage advisor and I completely understand their worth. Our guy is extremely thorough which is refreshing.
  • chromac
    chromac Posts: 32 Forumite
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    Applying through TSB first mortgage - household income of £52,000 and 4 missed payments on my CC last year. as well as a two-year-old default (settled paid in full - <£100) I was sceptical (especially after failing to mortgage 7 months ago)

    Timeline of things so far:

    18/09 - DIP obtained
    19/09 - house Reserved
    20/09 - Full mortgage app submitted
    20/09 - Valuation Fee took
    21/09 - All Quiet
    22/09 - TSB requested gifted deposit letter(s) (3 parties clubbing together)
    22/09 - Surveyor has been on seen the house this morning, by all accounts was very happy with the price structure (we did get a cracking deal)

    This is on the H2B EL scheme.

    Best of luck to everyone on here - hands down one of the most nail biting times of my life.
  • obay
    obay Posts: 570 Forumite
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    My valuation went through 100% ok!!! 24 hrs now for an offer!!
    [STRIKE]1/12/16 - £152,599.00 [/STRIKE]
    [STRIKE]11/11/17 - £145,990.00 [/STRIKE] <> Overpaid £3916.
    11/11/18 - £142,074.00
    Barclays Car (5.99%)£0/£8,832.37
  • ap1985
    ap1985 Posts: 325 Forumite
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    obay wrote: »
    My valuation went through 100% ok!!! 24 hrs now for an offer!!


    All the best Obay.
    :jFinally going to be a homeowner:T
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