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

kirtsypoos

Had another email from our broker and NatWest have requested my bank statements (not my partners though) so I'm guessing they want to see my payments to credit cards etc. At least I'm hoping that's what it is.

I have the option of paying around £2.5k off my credit cards if needed thanks to family but I'd rather not go down that route. All my debt is interest free so I'd rather just pay it off as per my snowball but if needs must....stressful weekend coming up

Hb108780

My valuation was yesterday and broker advised they are happy with it and now it's with the offers team and should be out next week.

Not sure if this means it's done now or if there's still some uncertainty. Was hoping I would have a solid yes so not sure what to expect now?

Does anybody know what they offers team do?

hammergirl28

Mortgage approved on Friday - offer should be hear today !:j

kirtsypoos

Congratulations Hb108780 and hammergirl!

Our timeline is currently looking like this:

Reserved New Build Property 21/10/16
AIP/DIP with Natwest 21/10/16
Full Mortgage App with Natwest (Using H2B) 28/10/16
Valuation Fee Taken 28/10/16
Authority to Proceed from H2B 03/11/16
Bank Statements Requested - 04/11/16

Waiting waiting waiting...

Hb108780

Received in the post this morning.

Can't believe the relief I have now.

sharrn

We got a text from Nationwide yesterday to say that they have issued an offer so just waiting to get the letter in the post. Most likely tomorrow. I can't believe how fast it's all gone through. We applied through our broker last Tuesday, had the valuation Friday and offer Monday!

kirtsypoos

Congrats Sharrn!

Reserved New Build Property 21/10/16
AIP/DIP with Natwest 21/10/16
Full Mortgage App with Natwest (Using H2B) 28/10/16
Valuation Fee Taken 28/10/16
Authority to Proceed from H2B 03/11/16
Bank Statements Requested - 04/11/16

Apparently Natwest had the wrong postcode for our new build so that has been updated and we now have another 3 working day wait for another update....all because of a postcode which was wrongly given by the site office of the new build :mad:

countingthepennies395

We applied with Nationwide on Saturday and had a text to say the valuation would take place today. So anxious to hear the result!

xziare

I'm at an early stage however I'm a FTB who is awaiting my AIP from the lender. They responded to my broker to highlight late payments on a credit card over 4.5 years ago while I was at University.

I'm praying that they let me off that stupidity whilst I wasn't in FT employment and can see my squeaky clean credit history since then whilst being FT employed.

Everything crossed :sad:

kirtsypoos

Which lender are you using xziare?