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

SHM87

toc25 that does seem like a long time. You could call and ask if it could be done sooner? I guess it depends if the delay is with the owner not allowing access, or with the surveyors being busy.

my timeline with Natwest so far:

12/05 AIP
16/05 application submitted in branch
17/05 verbal confirmation that affordability etc approved subject to valuation
19/05 money taken for valuation (delay due to advisor noting down card details incorrectly)
22/05 survey/valuation being done today

toc25

I hate the not knowing what's going off it's stressful, I guess the long wait is a combination of valuer and vendor being able to both being able to agree a date. I'm sure it must be more the valuer though as the vendor is very keen to move quickly. I suppose I just need to be patient. :rotfl:

Luckyg- I am thinking/worrying about it at work! Even had a bad dream about it last night! Will be glad when this is all done

SHM87- Good luck with your valuation, how soon were you able to use the natwest mortgage tracker? I was expecting it to be live today but its not working for me yet.

soh0249

Really good news LuckyG...the finish line is in sight!

soh0249

@toc25 It is really awful not knowing isn't. As others have suggested, maybe you could call them and ask if theres an earlier date or to fit you in if there is a cancellation?

LuckyG

soh0249 wrote: »

Really good news LuckyG...the finish line is in sight!

Exciting (but highly nerve wracking) time for us both :eek:

I find myself waking up super early to listen out for the text notification I'm seriously being driven insane

LuckyG

toc25 wrote: »

I hate the not knowing what's going off it's stressful, I guess the long wait is a combination of valuer and vendor being able to both being able to agree a date. I'm sure it must be more the valuer though as the vendor is very keen to move quickly. I suppose I just need to be patient. :rotfl:

Luckyg- I am thinking/worrying about it at work! Even had a bad dream about it last night! Will be glad when this is all done

SHM87- Good luck with your valuation, how soon were you able to use the natwest mortgage tracker? I was expecting it to be live today but its not working for me yet.

I know how you feel, I've had 2 weeks of hell so far. Definitely one of the most stressful things I've experienced.
It will all fall into place in the end though (I really should listen to my own advice).

soh0249

LuckyG I've been a bag of nerves! I keep pestering my other half to find out more info even though I'm pretty sure I've exhausted our broker!! He's been so helpful and understanding though

LuckyG

soh0249 wrote: »

LuckyG I've been a bag of nerves! I keep pestering my other half to find out more info even though I'm pretty sure I've exhausted our broker!! He's been so helpful and understanding though

Let's hope we both get good news very soon

KatieLou04

Hi,

Reading all your posts proves that there is still hope for us!

We found a house, AIP was done 23/04, told it would be 2-3 weeks until we heard anything. We used a mortgage broker. Heard nothing until the 3rd week when they asked for extra documents which made me think our application had been sat on a desk for 2 weeks!! Couple of days later Nationwide had some questions, all answered and were fine on 09/05 Valuation was booked for 23/05, apparently there was a wait due to how busy they were.

Then got a phone call today (day before valuation was due) to say it the underwriters had declined the amount we were asking for. We didn't even know it had gone to the underwriters, should they have told us this?

Mortgage advisor is now going to try a different lender and will hopefully process the app tomorrow! We love the house, FTB and using HTB.

I'm a glass half empty person and my partner is a glass half full type of person! Am i wrong to be thinking if the next app goes to the underwriters it will be declined again?

toc25

All mortgage applications go to underwriters, your broker needs to find the right lender for you.
Good luck