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

CatchFazed

We got our mortgage offer yesterday Very happy - although our own survey has picked up a few things we're not happy with, so we're waiting on the drainage, subsidence and flood searches from the solicitor before we proceed.

Still, a lovely feeling!

Offer accepted: 04/11
DIP: 05/11
Outstanding documentation sent: 14/11
Application submitted: 18/11
Solicitor instructed 25/11
29/11 More docs sent to mortgage company on their request
6/12 Valuer went in
9/12 Our surveyor went in
12/12 Mortgage offer received
13/12 Valuation received

itsmitchelltime

16th November Reserved
21st November Valuation fee taken
22nd November Mortgage app submitted to Halifax by broker
25th November HTB ATP received
11th December Valuation
13th December Mortgage Offer received

Did have a deadline of 20th Dec to exchange but TW have been slow with contracts so that's now 10th Jan

contractor

updated

26/11/13 1st view
28/11/13 both view
29/11/13 offer made/accepted.
01/12/13 complete all dox (ID/forms/statements etc).
02/12/13 send dox to mortgage broker by email
03/12/13 submit Halifax residential and Clydesdale btl applications. Post off ID.
04/12/13 Rental agency comes round to check expected rental
04/12/13 get and email rental letter to broker, confirming rental > 125% of BTL
04/12/13 get solicitors letter laying out timescale, email to broker to send to Clydesdale so they can prioritise the application. All conveyancing searches requested etc.
05/12/13 Solicitor's details swapped. Call from mortgage broker saying I should get EA to call Colley's to bring forward valuation. emailed EA.
06/12/13 EA gets valuation brought forward to 10/12/13
07/12/13 received letter from surveyors. Send back signed solicitor's pack, send back surveyors letter
10/12/13 hbs done (Colleys subbed it out)
11/12/13 halifax offered. Clydesdale application underway, valuation to be arranged
13/12/13 BTL Valuation scheduled for Monday 16th 9am (e-surv).I got a cancellation
14/12/13 Credit check appeared for 14/12/13 on Experian, searched by Clydesdale Bank, First Mortgage, full amount requested

arobinson_2

Update on ours:

23/11/2013 - 1st/2nd viewing
24/11/2013 - Offer made and verbally accepted
26/11/2013 - Offer accepted in writing
30/11/2013 - DIP approval with Nationwide and full application made
02/12/2013 - Solicitor instructed and forms returned
02/12/2013 - Nationwide requested proof of deposit and other supporting documents
11/12/2013 - Nationwide happy with all documents sent in, just waiting on valuation (19/12) for final decision
13/12/2013 - Solicitors confirmed initial drafts received and searches submitted, should get them back before Christmas.

As we approach Christmas i'm not expecting much to happen over the next 2-3 weeks until the new year, depends on who is open though!

BargainHunters

Hi Guys

Had the same problem last week trying to get my SA302 forms for my mortgage application. Spoke to my accountant and he wanted to charge me £50+VAT to get a copy from HMRC.

I then had a look online and found this site http://www.sa302form.co.uk which told me who to phone at HMRC to get your forms for FREE!!!!

Just waiting on the forms coming through the post but HMRC were actually pretty helpful for once.

Din85

Can i join here too please.

Its been a nightmare so far, Natwest being our main bank told us to go and find a house... and put an offer in, we did that and went for the mortgage application, they forgot to mention me not being in my job for there minimum term and carried out a hard credit search... i got a phone call from the underwriters two days later (quite rude) telling me they would not even open my application or look at it as i didn't fit there criteria :mad:

We complained regarding this as it dropped my credit score for almost a month, they are supposed to be removing it, but so far have not, we got £195.00 compensation (not exactly helpful).

I should have said, FTB, trying for 95% LTV on help to buy 2.

Mortgage is for £118,750.

Earnings between me and the other half is in the region of £43k.

Credit scores are good and excellent with experian (i realise this doesnt seem to be exactly worth much), i do have one late payment a couple of months back on a CC that i payed off then missed an interest charge

Anyway, we have spoken to a broker who has managed to get us the AIP with Halifax.

Application went in on Friday 13th....yes i know, of ALL the days to do it.

Anyway, now worried sick that something will go wrong.

The broker is all positive and reckons we have nothing to worry about... but he would say that wouldn't he.

Anyway ill let you all know how it goes if thats ok.

lexilex

BargainHunters wrote: »

Hi Guys

Had the same problem last week trying to get my SA302 forms for my mortgage application. Spoke to my accountant and he wanted to charge me £50+VAT to get a copy from HMRC.

I then had a look online and found this site http://www.sa302form.co.uk which told me who to phone at HMRC to get your forms for FREE!!!!

Just waiting on the forms coming through the post but HMRC were actually pretty helpful for once.

Mine arrived on Saturday after phoning HMRC the Tuesday before so wasn't too long waiting.

Really, really hoping we will hear something about the mortgage this week. Can't imagine anything will happen after Friday.

ispookie666

Heard from MA that Halifax have offered, just waiting for the home buyers report to come thought and the mortgage offer - hopefully they are in order.
Now comes chasing the solicitors - looks like end of Jan exchange.

lee-h

I got my offer this afternoon (verbally) it's in the post

Din85

lee-h wrote: »

I got my offer this afternoon (verbally) it's in the post

That's good news lee

So far, I have heard nothing, application went in on friday, no funds pending on my account, no credit searches, nothing.