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

Lauralou79

I can join in. We've completed our mortgage application with Natwest today as FTB. It's all so nerve wrecking! Especially with it being Easter I guess it could extend the timeline a bit!
We've applied for a £85,000 mortgage ( not even twice our combined salaries) plus a £95,000 deposit
So not over stretching, no current debt and stable incomes and long term employments. Fingers crossed! It's so nerve wrecking!!

Oakdene

Sigh still not a peep from our broker, Im such a pessimist that I've consigned it to not being able to get one...

jm475

is it the Mortgage Advisor/Broker that lets you know - or the bank themselves?

I'm still a long way off.....full app (on a wing and a prayer given situation) went in to Santander on 10th....they are still working on those submitted on 5th.

Good luck!

RJ10

Hi guys, I can finally join in also..

26/3 - Viewed NB property& reserved
30/3 - DiP granted
31/3 - Full application submitted
4/4 - Case picked up by underwriter
5/4 - Agreement subject to valuation (booked in for 7/4)
7/4 - Valuation
11/4 Full mortgage offer rec'd

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

barneydier

Nationwide
Mortgage DIP and full application done 08/04/2017
Valuation done 11/04/2017
Valuation sent to Nationwide 11/04/2017
Application sent for full final Assessment 12/04/2017
Nationwide advise we will hear by the 18/04/2017
Ahhhhhhhhhhhhhhhhhhhh

MisterP123

Soooo.... Quarter past 4, the day before Easter bank holiday weekend. Santander tracking system shows no update... They're still reviewing applications passed to underwriters on the 5th (same day as me.)

Alas, I'd given up all hope. Certainly not going to hear anything now.....

They've all gone home early. That'll be it now, until Tuesday.

Expecting a decline anyway, 95% LTV, few late payments, 1 in the past 12 months. Credit report completely different to what I'd submitted to my broker due to some accounts updating and others not. Experian showing credit card balances as £10k against my submitted figure of £6.3k

Just about to go home and then, at 16:17, this....

We're pleased to let you know your client's mortgage application has been agreed. A mortgage offer will be sent out shortly, subject to a satisfactory valuation.

I'm elated :beer::beer::beer::beer::j:j:j

jm475

Nice one!!! Well done!! Time to go for a drink eh? (or is the money being saved for the new place?)

Did you get that update on the MATS - or via email??

Well done!

Torfoxwell

OK so its gone back to the underwriters which have found a late payment on my default ? iv phoned experian but they said it does not get recorded like that..., there was a a mix up around December time that i can explain about a changed of date on my plan ,

am not so worried the underwriter said that hes not going to look at it now until after the bank holiday....

Why oh why !!! has anyone been in a similar situation?
Quick Reply Thanks 0 Edit Post

MisterP123

jm475 wrote: »

Nice one!!! Well done!! Time to go for a drink eh? (or is the money being saved for the new place?)

Did you get that update on the MATS - or via email??

Well done!

Thanks.

Had an email off my broker as I was leaving work to say it had been approved. Checked on MATS and sure enough it was.

About quarter of an hour later had a text an email from Santander confirming the offer had been issued.

I bought Asda out of Stella on my way home........ So:beer:

donkids22

I can join in

Offered accepted on house 31 march
Filled in mortgage application 4 April
valuation completed 11 April
mortgage offer 13 April

Not sure how long we are got to go from here on.