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

ScotsLad5818

Great post. In many ways reassuring, in many ways concerning.

I'm a FTB and have applied to Clydesdale Bank through our mortgage broker. I've read a few times (though old posts) that they are a bit slower than most and use manual processes. Is this still the case?

KTaneva

Omg I just had a call from my broker and I was told that my application with NationWide has been randomly chosen by head office for audit check ? Does anyone have experience of this ? Is this bad or good ? For sure this will delay my application more ...

SouthernWolf

ScotsLad5818 wrote: »

Great post. In many ways reassuring, in many ways concerning.

I'm a FTB and have applied to Clydesdale Bank through our mortgage broker. I've read a few times (though old posts) that they are a bit slower than most and use manual processes. Is this still the case?

Our broker also told us that Clydesdale were slower, but the mortgage valuation was arranged in the same week, and the bank themselves were helpful. We are now waiting to complete!

KTaneva

Bad bad news for me .
My application was declined without any explanation from the head office in NationWide .
Credit score 999 ,salary 42k,no credit cards no loans nothing .
I can't believe this .
I don't know where I am now and I had so many plans already even for my new furnitures in the house .
Now we will make alllication with Halifax ,I am banking with them for 5 years already ,hope they will consider to give me green light .

Sahmed660

KTaneva wrote: »

Bad bad news for me .
My application was declined without any explanation from the head office in NationWide .
Credit score 999 ,salary 42k,no credit cards no loans nothing .
I can't believe this .
I don't know where I am now and I had so many plans already even for my new furnitures in the house .
Now we will make alllication with Halifax ,I am banking with them for 5 years already ,hope they will consider to give me green light .

That's shocking! You need to get onto your MA to find out a reason; otherwise you might trip up on the same thing again

Rosy_Apple

Hello,

We applied for our mortgage with HSBC on Friday (10th March) through a broker. We have gone for a 5 year fix and it's 90% LTV.

On Friday evening the broker said we had passed the initial credit check and that he had since submitted our application and all supporting documents.

Is anyone else waiting on HSBC? How long was it from full application to valuation being booked was it for you?

Thanks and good luck to all!
RA

Blade200

We had an AIP from Accord last week and after submitting our full app on Saturday we have just heard today we have been declined. Devastated.

My partner has 2 defaults from 5 years ago which was illustrated to them in the AIP. It went to an underwriter who accepted it. Then the full app was declined due to these 2 defaults. 1 for £2000 and another for £200.

jessnat995

thats bad i feel for you, Are you sure there is nothing on anyone of your records? i only mention it as we gor accepted and was in a far worse possition

fairygoodgirl

KTaneva wrote: »

Bad bad news for me .
My application was declined without any explanation from the head office in NationWide .
Credit score 999 ,salary 42k,no credit cards no loans nothing .
I can't believe this .
I don't know where I am now and I had so many plans already even for my new furnitures in the house .
Now we will make alllication with Halifax ,I am banking with them for 5 years already ,hope they will consider to give me green light .

Now I'm nervous....we are in the same position. Noticed many people get their offer not long after the valuation.

Blade200

jessnat995 wrote: »

thats bad i feel for you, Are you sure there is nothing on anyone of your records? i only mention it as we gor accepted and was in a far worse possition

Absolutely sure I've a clean record. At a complete loss. Broker is so annoyed he will refund full fees. Normally only half gets refunded.