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

jm475

You might well hear tomorrow; best of luck!! Fingers and toes are crossed for you

Torfoxwell

Just waiting on Valuation which was done sometime yesterday - the suspence is killing me ! ������

hounsehunterftb

*Edited*
Hello guys!!

I am joining the queue for "Awaiting Mortgage Offer". I have a 10% deposit to pay and would be applying for the mortgage for the remaining amount.

Here is my timeline
- March 13th 2017: Agreement in Principle (Principality Building Society)
- April 1st 2017: Offer accepted on the house
- April 5th 2017: Full application made through a broker. Money for valuation deducted from the account
- April 10th 2017: In queue for the documentation to be assessed and would be done by end of day tomorrow. We will have an update if anything else is required.
- April 13th 2017: Valuation/House Survey Booked!
So right now we are waiting for the valuation to be taken place which is the part I am MOST scared about. Because I already think we are overpaying for the property and I don't have more than 10% deposit. Fingers crossed! Hoping all goes fine. Please keep your fingers crossed for us. And I will do the same for all those waiting as well!

I will post an update as and when I receive them.

joshardy

I think we've been really lucky, here is our timeline:

3 Apr - Mortgage request to Halifax submitted (via our broker)
7 Apr - House valuation completed
10 Apr - Mortgage offer received

Hopefully the rest of the process is this straightforward! Good luck to everyone else!

Nikkinakkinoo2017

Our valuation should be taking place right about now. Hope we don't have to wait too much longer for an answer to our application. Only applied last Wednesday so still relatively quick. Could be ages yet couldn't it. Aaarrgghhhh come on Nationwide ��

Oakdene

Sent our documents off to the mortgage broker today, a little nervous as we're looking for a place to buy for us & our children to live together. However I have some debt on CC & my OH has an old default which she needs to get set to satisfied. Have no idea what to expect in terms of how much we can borrow but we will have about £15k deposit.

jessnat995

Oakdene wrote: »

Sent our documents off to the mortgage broker today, a little nervous as we're looking for a place to buy for us & our children to live together. However I have some debt on CC & my OH has an old default which she needs to get set to satisfied. Have no idea what to expect in terms of how much we can borrow but we will have about £15k deposit.

Mortgage is available with an outstanding default, would just be a higher interest rate i would assume,

Nikkinakkinoo2017

Oakdene wrote: »

Sent our documents off to the mortgage broker today, a little nervous as we're looking for a place to buy for us & our children to live together. However I have some debt on CC & my OH has an old default which she needs to get set to satisfied. Have no idea what to expect in terms of how much we can borrow but we will have about £15k deposit.

Good luck :j

Oakdene

jessnat995 wrote: »

Mortgage is available with an outstanding default, would just be a higher interest rate i would assume,

I know just live in a part of the country where house prices are high in certain places.

Nikkinakkinoo2017 wrote: »

Good luck :j

Thank you!!

Nikkinakkinoo2017

As the title says really..... Never actually thought our time would come (cheesy I know) but our valuation was this morning and we have just had the mortgage offer email!!!!!!!!!!
So our official timescale with Nationwide was:

3/4- viewed the house
4/4- offer accepted and DiP referred
5/4- DiP accepted and mortgage application submitted online
12/4- Valuation 9am
12/4- mortgage offer issued email 4:30pm

Oh my god... I know the road ahead is still a long one but wow this feels good!!!!

Hope everyone who is still waiting hears good news real soon.
:beer: