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

fairygoodgirl

KTaneva wrote: »

Thanks . Yes , hopefully I will hear today or tomorrow . I just had an email from experian saying that there has been a hard search on my credit file . I've checked it ,and it's showing NationWide but with date on search on 27.02 ,more than week ago .
The worst thing in the world is to wait for long when u expect some big,important answer . I don't know how I will hold myself ������

We are also with Nationwide who requested another wage slip from my husband then requested a P60! Why can't they just ask for it all at the same time! I have lost the will to live with it all! It better be today! Persimmons say the property will be complete 31st March

Hope you get yours soon

Sahmed660

Nationwide do their hard search the DIP stage not mortgage application stage that's why it would have been a week ago.

I went through the Nationwide slog as well and we got there in the end so good luck!

KTaneva

They was so fast in the beginning ,thought they will complete the process in a week . they done the credit check,day after valuation of the property, day after they said everything was fine . And from 03.03 till now I am waiting .��

LKRDN_Morgan

LKRDN_Morgan wrote: »

Can finally join in with this thread instead of lurking!

02/03 House viewed
03/03 Offer accepted
08/03 Mortgage application submitted to Santander through our broker

Now I wait

Email from broker to say valuation survey is booked for 14/03. Supporting docs are currently being checked

nliggins

nliggins wrote: »

I'm just joining in on this thread after watching and reading for the past couple of weeks, we applied through a Broker with skipton on monday 27th this is our time line:

Date Decision In Principle received 27/02/2017 1
Date application received 27/02/2017 Action Completed
Date Minimum Submission received 01/03/2017 Action Completed
Date case underwritten 08/03/2017 2
Date Valuation instructed 27/02/2017 Action Completed
Date Valuation expected 07/03/2017 Action Completed
Date Valuation received Pending Action Pending
Date case offered Pending Action Pending
Date Certificate of Title received Pending Action Pending
Proposed date of completion Pending Action Pending
Date mortgage completed Pending Action Pending

1 - 27 February 2017, 11:22:22
2 - Pending Decision - Information Required

We know from the vendor that the valuation has been carried out Friday 3rd March

We have chased our Broker today who has told us that it's waiting with the Senior underwriter.

It says todays date as date case underwritten but number 2 (information required) could this just be the valuation report? or might it be something else?

I noticed yesterday that Skipton had set up the direct debit from my bank account - is this a good sign?

It's been 8 working days today - am I just being totally impatient? I'm so nervous - I feel sick!

thank you in advance for any advice

I'm so excited to report that our Broker has emailed us today to say Skipton have given us our mortgage offer and we will receive it in writing in the next day or 2 :T I cannot tell you how relieved I am and we can now start packing and believing that our dream home will actually be ours in a few weeks/month :T

Thank goodness the wait is over

BoBaggins

Hello everyone,

Joining this thread as my MB put our full application in th The Halifax today

Timeline:

8 March - AIP
9 March - Full application and paid for valuation

Please cross your fingers and toes for us...FTB and feeling nervous

jobert123

Nilggins - congrats on your mortgage going through with Skipton!

We are at the underwrite stage now, hoping it will be completed today as this is the bit im most worried about.

What is your LTV and are you FTB?

nliggins

jobert123 wrote: »

Nilggins - congrats on your mortgage going through with Skipton!

We are at the underwrite stage now, hoping it will be completed today as this is the bit im most worried about.

What is your LTV and are you FTB?

Thank you it's such a nerve wracking process isn't it?!
Got my fingers crossed for you too - in fairness Skipton have been really efficient - I can't grumble at all (now they've offered hehe) :j

we're not FTB and our LTV is 90% - we made sure our Broker had everything they asked for at the time of application and there was nothing more they asked - let us know how you get on

Nicki

jobert123

Very nerve wracking! I'm sat refreshing our tracker as we speak. They do seem pretty quick in all fairenss, our valuation is booked and due to be completed by Tuesday. But I'm not too worried about that it's the underwrite that I am.

Yes our broker has been fab too, she got all our docs (I basically took my life with me to our application meeting!)

We are FTB purchasing a new build, using help to buy ours is 75% LTV.

Praying we get accepted!!

AllyT90

About To Scream!!

Any Recommendations on brokers in northern ireland?
Our broker has basically sat on our information for 2 weeks and done nothing with it and is now asking me for loads of additional information before she can submit an application!
Meanwhile Ive also started a new job and am taking place in my first ever white collar boxing match tomorrow night.
If I have ever been on the verge of a mental breakdown, now would it!!