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

bylromarha

bylromarha wrote: »

Okay - here goes nothing. Will be good to see it typed out I guess in a few months from now.

28/11 - viewed house
28/11 - AIP given by HSBC
30/11 - 2nd house viewed - already had an offer on, so had to decide where to put offers. Offer put in with request of a quick decision.
2/12 - Offer accepted. Mortgage application completed.
3/12 - Paperwork requested taken to branch

Grrrrrr. Letter received today from HSBC - we need your ID.

Just got off the phone - woman was insistent I took my photo id into the branch. During the phone application I asked if I needed to take my passport into branch AS I HAVE JUST GOT A REMORTGAGE TO HSBC. Application call was clear that it wasn't needed as my passport was clearly on file.

On the phone 10 minutes saying - please check mortgage account number... She had to speak to her supervisor, who verfied that my passport was on file, no I didn't need to take it into the branch and yes, my application would now proceed.

Hurumph.

ispookie666

lee-h wrote: »

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

Fantastic.

lee-h

Thanks all, I think the key is patience and also balancing that with persistence! Mine took 5 1/2 weeks and towards the end phoned them daily for updates...think they got fed up of me in the end ha

Din85 I'd suggest calling them up and chasing for an update don't be shy about it it's your future

BelleBot

Valuation today, just got a message saying it was satisfactory and I've got my mortgage offer, it'll be posted out today :j

BelleBot wrote: »

I applied for my first mortgage today with Nationwide.
Single first time buyer.

27/11/13 - DIP granted and wage slips submitted
27/11/13 - 2nd viewing on house
28/11/13 - 1st offer made and rejected
05/12/13 - Final offer accepted on the house
12/12/13 - Mortgage application made and submitted

As I submitted my wage slips when I got the DIP they've already been verified and what not, which will hopefully speed things up and I had nothing to prove at application stage.

I'm so excited now the ball is well and truly rolling. I'm just hoping the valuation all goes well.

Din85

lee-h wrote: »

Din85 I'd suggest calling them up and chasing for an update don't be shy about it it's your future

Ok, tried calling the broker today as this is doing my nut !

Apparently, he is away untill Friday

This can only mean a few things tbh,...

He may have forgotten to submit the application on friday and has been off since ?
He may have submitted it but they have requested more info, which he won't have seen yet ?

Or it came back very quickly as a straight decline and again he has not seen yet.

Tbh, judging how fast the initial payments have been taken from others with the Halifax I'm assuming the worst.

Hay ho, suppose I will just have to wait and see

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

16/12/13 Survey done. Hint from valuer that my estimate is correct
17/12/13 Mortgage approved by Clydesdale subject to value
18/12/13 Offer issued at survey value (not undervalued). Dox received from Optima Legal. Returned signed Halifax deeds to my solicitor. TR2 signed and returned
19/12/13 Clydesdale deeds and instructions sent back to Optima Legal

lexilex

lexilex wrote: »

09/2013 - Saw property on RightMove, whilst on holiday!
04/10/2013 - First viewing
12/10/2013 - Second viewing.
14/10/2013 - Received London & Country decision in principle.
15/10/2013 - First and second offers made, both rejected.
16/10/2013 - Third offer made, rejected.
28/10/2013 - Met with a local broker, found out DIP from L&C wasn't valid and we would have to wait until end of Nov to get another DIP due to an issue with wage slips.
31/10/2013 - House sold!
09/11/2013 - House reappears on RightMove!
26/11/2013 - Got wage slips needed, met with new broker.
27/11/2013 - DIP with Santander. 85% LTV.
28/11/2013 - Offer finally accepted.
03/12/2013 - Full application with Santander and solicitors instructed.
10/12/2013 - More documents requested.
12/12/2013 - Docs submitted
16/12/2013 - SA302 submitted

Updated.

Ours seems to be taking forever. I'm starting to panic now.

ispookie666

Finally received hard copy of the offer letter. Looks like all the posts are delayed due to christmas. Rest of things seem to be moving at slower than snails pace.

Din85

Right.. spoke to the broker, he said it was all being underwritten and they had all the requested documents etc.

I told him no funds had gone from my account which he agreed was odd as they normally took it with the application.

So he called to get an update.

Well all of a sudden there is exactly £315.00 pending from my account.

So that's a start.

contractor

contractor wrote: »

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

16/12/13 Survey done. Hint from valuer that my estimate is correct
17/12/13 Mortgage approved by Clydesdale subject to value
18/12/13 Offer issued at survey value (not undervalued). Dox received from Optima Legal. Returned signed Halifax deeds to my solicitor. TR2 signed and returned
19/12/13 Clydesdale deeds and instructions sent back to Optima Legal

20/12/13 Offer sent by CB yesterday. Spoke to Optima and arranged completion date for equity release/BTL, spoke to piggy bank and turned the wife upside down to get the deposit together and exchanged today with completion on 10/1/14