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

flipflopflop

flipflopflop wrote: »

20th Jan - Valuation booked (i'm taking this as a positive)

25th Jan - Mortgage offer issued

:j:j:j

FairyPrincessKimberley

Dollymix12 wrote: »

Mortgage approved and official offer sent out to us, I'm so excited to be moving over to the waiting to exchange thread, now the stress really starts!

Congrats I hope this is me 1 week today if not sooner

apau77

Hi all,

I have applied via a broker to Natwest and below is the timeline:
29/12/2016 - Full application
3/01/2017 -Valuation fee taken from account
13/01/2017 -Request for December payslip
18/01/2017 -Request for December bank statement showing my salary
18/01/2017 -Request for three payslips from second bob.

I have not heard anything from broker since 18/01/2017. Has anyone dealt with Natwest recently? Do they normally take this long to make decision?

Rileybaby

Hi everyone,


My mortgage was approved on the 5th Jan and I received it formally in writing on the 9th Jan. I have today received a further identical mortgage offer any idea why?

I know I'll need to ring them tomorrow but wondered if it had happened to anyone else.

ashp_2

ashp wrote: »

02/01/17 - First AIP online (Soft credit search)
10/01/17 - First viewing
10/01/17 - First offer - Rejected
11/01/17 - Second offer - Accepted +5k
12/01/17 - Second AIP through Broker (Hard credit search)
19/01/17 - Full Application submitted to Santander

Now the waiting game!

26/01/17 Mortgage offer issued :j

Dollymix12

Dollymix12 wrote: »

I'm starting the worrying wait to see if our mortgage application is approved, so far my timeline is

03/01/17 1st Viewing
07/01/17 2nd viewing and AIP applied for
09/01/17 AIP approved and offer placed
10/01/17 offer accepted
14/01/17 Full application
16/01/17 application submitted
17/01/17 further information requested
18/01/17 Mortgage approved subject to survey
24/01/17 Survey carried out
26/01/17 mortgage offer received in the post

Copy of mortgage offer received today, I'm moving over to the waiting to exchange board :j:j:j

JoeT88

Hello Folks,

Awaiting a decision!
AIP last week,
mortgage advisor meeting friday,
full application submitted today.

feel sick! haha!

The mortgage is through Natwest- does anyone know if the AIP is based of full credit with them? also done through Newhomes who i have found great so far! aslo if its a new build and they start to do they sruvery is this a sign its all good on the financial side of things?

shutter

Yes, at least in my case Nat west AIP through broker showed hard search on Equifax on the same day and upon actual application showed separate soft search. If you registered with clear score which is free, you can see both of them.

Mine took exactly two weeks from full App to offer.

Good Luck with Mortgage application.

JoeT88

Hello Shutter,

Thank you very much for the reply! I have just checked equifax and its a hard search alright, knocked my score by 70! haha.

How did you find them did they tend to ask for alot of extra information etc, or ask many other questions?

hope you are well
Joe

shutter

Joe,

I wasn't asked anything except what I have submitted to broker. The only query is abouy my CC.
I use my personal CC for work related travel (which will be reimbursed )and in last month it came around 2K, so they asked is it a debt which I replied no.

In my opinion so far Nat west process seems to be fairly stress free.