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

copperjar

Levs01 wrote: »

Don't panic. They will most definitely contact you should they need any further information. If it will settle your nerves then you can call and speak with someone. Every dealing with had with nationwide has been good so I see them as a good company to deal with.

Thank you. Had to phone them today as they requested proof of address. I was going to send my latest mortgage statement - which is actually from them!! So I rang and there was an issue in that the address on the payslip (work address) wasn't my home address so it confused things a bit. All sorted very swiftly.

I can see why house moving is the most stressful thing after divorce. My solicitor has me bouncing off the walls with her (lack of) speed in responding to queries.

kkmj4

Thought id join as worrying about this, AIP 29th Sept, full application 30th with santander now waiting on answer, only porting mortgage to New property, exact same amount and term and although I've paid this without default for 11 years they say this can still be declined, worried sick.

inspireme247

Wahoo! My mortgage offer has been accepted!

21/09: AIP accepted.
21/09: Valuation booked.
29/09: Valuation carried out.
03/10: Valuation received by Halifax, reviewed and accepted.
04/10: Mortgage offer issued.

Good luck everyone

Thrugelmir

copperjar wrote: »

My solicitor has me bouncing off the walls with her (lack of) speed in responding to queries.

Have you instructed her to commence work prior to receiving a formal mortgage offer?

Bonfire_Bride

20th August: Offer accepted
23rd August: AIP received
30th August: Mortage application submitted.
5th September: Mortgage approved subject to valuation.


** 3 week wait for valuation to happen due to vendors stalling **


3rd October: Valuation Complete
4th October: Mortgage approved and offer letter on the way.


I wish I could be more positive about it all - the mortgage has been so fast with Natwest - seriously impressed with them and our broker.


However, house purchase is in limbo now and at threat of falling through as we have only now been told that the sellers are looking for a property - although we were told it was chain free and had been under this impression sinxe August.

Gunther_Golf

Hey there


We received our AIP from Halifax around 2 weeks ago - Viewed a house on Sunday, offer made and accepted on the Monday and Mortgage Broker got the ball rolling with Halifax same day. Halifax came back to him with a "Full Application Result: Accept" whatever that means!


All supporting documents have been emailed to mortgage broker today who will be forwarding them all onto Halifax tomorrow (Thursday) as he is not working today.


From what I can gather it will shortly be at the stage of the supporting evidence being verified by Halifax - All sounding positive so fingers crossed for a speedy turnaround! Having had no previous experience of the mortgage process it's been fairly smooth to date.


Really hope we get approved - What's our chances? LOL


**we are in Scotland**

psychological

psychological wrote: »

Would love to join in! Anything to ease the stress of waiting...

10% Deposit - YES
Offer Accepted - YES - 09/09/2016
AIP - YES
Solicitor Instructed - YES
Chain Complete - YES
Formal Mortgage Application Submitted - YES - 21/09/2016
Paid Solicitor Search Fees - YES
Valuation - YES - 27/09/2016
Formal Mortgage Offer - WAITING (Nationwide)

Waiting to see if I get referred to an underwriter for further questions, although mortgage broker assures me that affordability doesn't appear to be an issue - I had a pretty chunky spend in August for various reasons.

Nerve-wracking - we love this house.

Updated timeline! FTB.

04/09/2016 - Viewed (almost) Perfect House
05/09/2016 - Offered Under Asking
06/09/2016 - Offer Rejected
08/09/2016 - After soul searching, offered closer to asking
09/09/2016 - Offer Accepted
09/09/2016 - EA Advised chain incomplete so to hold off on Mortgage app / solicitors fees
09/09/2016 - DIP Application Submitted with Nationwide (via Broker)
09/09/2016 - Solicitor Instructed
10/09/2016 - DIP Approved
WAITING GAME FOR CHAIN AND FORMS FILLED / STATEMENTS CERTIFIED & PRINTED FOR BROKER / SOLICITOR ETC.
15/09/2016 - EA Advised Chain Complete
19/09/2016 - Memorandum of Sale Received
19/09/2016 - Search Fees paid to Solicitor
21/09/2016 - Formal Mortgage Application Submitted / Homebuyers Report Requested
26/09/2016 - SMS from Nationwide to confirm Valuation booked for 27/09
27/09/2016 - SMS from Nationwide to confirm Valuation Report received
28/09/2016 - Homebuyers Report Received (valued higher than accepted offer :T)
CUE PANICKY FEW DAYS WAITING FOR FINE-TOOTH QUESTIONS ON SPENDING HABITS ETC. MB ON HOLS, MORE PANIC. STRESS.
05/10/2016 - SMS Received from Nationwide confirming Mortgage Offer ISSUED :beer:

Such a relief and we're THRILLED, although now I'm worried about the offer, and whether it will be for the full amount. Has anyone had the text below from Nationwide or a variance of, would they point out in the SMS if the offer had some amendments?

"Hi, Nationwide here. We're pleased to let you know we've issued a mortgage offer. Please make sure you read the offer carefully."

Whoever said this is one of the most stressful life experiences really wasn't lying. And so far (touch wood) I've had it fairly easy compared to some on here.

Arlo

We have had our htb authority to proceed today. So the full mortgage app is going in with Halifax

27/09. Aip approved
03/10. New build house reserved
4/10. Htb applied for through broker
5/10. Htb authority to proceed issued
5/10. Full app with Halifax gone in today

psychological

Arlo wrote: »

We have had our htb authority to proceed today. So the full mortgage app is going in with Halifax

27/09. Aip approved
03/10. New build house reserved
4/10. Htb applied for through broker
5/10. Htb authority to proceed issued
5/10. Full app with Halifax gone in today

Good luck!

hammergirl28

Still waiting spoke to HSBC last Tuesday told they had all documents and the the application had now been passed on to the approvals department and we would have a decision in 3-5 days. Vendor getting edgy as the surveys have not been done so contacted HSBC again on Thursday told that the application had not been passed across to the correct department but that they would do it then and then should be 3-5 days. AAAARGH ! Will call again tomorrow to check everything OK - no faith in customer services at the moment !