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

Hraj

Hi all

Lender: Halifax
Type: FTB
Deposit: 10%
AIP: 01-Feb-2017
Full application: 20-Feb-2017
Credit check and contd full application: 21-Feb-2017 (Valuation booked on 01-Mar-2017)
Additional documents requested by M. Processor: 22-Feb-2017
Valuation done on: 23-Feb
Valuation report received: 25-Feb ( I was shocked to receive this because they did the valuation prior to a prefixed date) all good BTW!
Additional documents sent via link: 25-Feb
Today 27-FEB M. Processor replied saying "Thank you for the email, I have arranged for the documents to be sent onto your file & these will be actioned shortly"

Please can someone clarify what does this mean?
What's the difference between mortgage processor and advisor? Who provides the actual offer??

When can I anticipate an offer? Will they email me or will they directly post the offer?

I don't want to call Halifax and stay on hold forever.

Thank you!

Good luck to everyone.

jessnat995

So got the news today.

We got the offer- valuation dependant.
Had to put extra £1500 towards to deposit but if we have a house it's a smll price to pay.

Owe my broker for getting it me

Sahmed660

Mortgage offer received today for me Happy bunny.

Time to go shopping!

orangesmartie

orangesmartie wrote: »

Going to join in this thread:

13/02 Offer accepted on property
15/02 DIP obtained
16/02 full mortgage application submitted


ETA: 16/02 valuation booked for 20/02

Still waiting Emailed my broker to see if there is any sort of indication of timescale. No response yet. I'm too impatient for this!

KTaneva

Hello everyone,
i will join you as well.
My offer was accepted last week,2 days ago we made full application with my broker using Nationwide.
Today i received sms with text that valuation has been booked for 01.03 :j
I am so happy. That was quick.
Now waiting.
Finger crossed.
Good luck to everyone! :T

spendinglikemad

Sahmed660 wrote: »

Mortgage offer received today for me Happy bunny.

Time to go shopping!

Great news!!!!:j

SLM

spendinglikemad

orangesmartie wrote: »

Still waiting Emailed my broker to see if there is any sort of indication of timescale. No response yet. I'm too impatient for this!

similar timeframe for me - was too busy today thank goodness I kept busy - no news from broker but will chase again tomorrow

SLM

Hanger_boy89

I submitted my application to NatWest through my broker Friday before last, so it's now been 7 working days. Valuation was done 6 days ago and still waiting for my offer...

vics007

Hi

I've been lurking on here for ages!
We had a mortgage offer from Nationwide in Nov/Dec, however we had to pull out of that property due to major works and lack of building regs etc.
So our new property is £1000 more but we're footing that ourselves so essentially our mortgage will be the same!
Our vendors want to move very quickly which is a bonus for us as our tenancy ends 24th April.
So,
23rd Feb - Offer on house accepted.
23rd Feb - Instructed solicitors
24th Feb - Returned solicitors paperwork and paid land registry fees.
27th Feb - Mortgage application (with Nationwide again).
28th Feb - Valuation booked.
28th Feb - Text stating valuation had been done.

Now, last time we had the valuation 5 days after mortgage application (there was a weekend in between) so I guess 3 working days.
On the evening of the valuation (20:30) we had two text messages a minute apart. The first saying valuation was done the second saying offer was in the post!
So now I'm freaking out that we didn't get the second text straight away!
Surely the underwriters wouldn't have had time to review our application yet??

Sahmed660

I'm with nationwide as well and got an email saying valuation was ok but no mortgage offer email.

Next morning my broker sent me my mortgage offer and said it had been issued the night before. Maybe a problem with their systems?