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

davilown

So here it goes again!

10 Jun 17 Offered on house
10 Jun 17 DIP with HSBC (I know...but we bank with First Direct)
12 Jun 17 Offer accepted
12 Jun 17 accepted asking price offer on current home
13 Jun 17 Applied - "Decision Obtained"
14 Jun 17 Uploaded all required documents
28 Jun 17 Text with Mortgage accepted subject to valuation
4 Jul 17 full mortgage offer!

Fingers crossed and good luck to you all!

Jkbc90

Congrats pigmyhippo and davilown, best of luck with your new homes x

Our broker said we "should" know today, i have major butterflies. This is far more than just a "new house" to us. It will change our lives massively. So nervous.

Returntosender

Good luck everyone. I'm in a bit of a limbo period right now as we're waiting on a gifted deposit form to arrive from abroad from a family member before our lender can continue the application. I hate all this uncertainty!

Jkbc90

Fingers crossed you aren't waiting too long for that. Good luck x

Broker chased up our application with Nationwide today and they just have to check the employer form. They said we will have an answer by tomorrow evening. So nervous, my stomach is doing flips.

Pigmyhippo

Jkbc90 wrote: »

Fingers crossed you aren't waiting too long for that. Good luck x

Broker chased up our application with Nationwide today and they just have to check the employer form. They said we will have an answer by tomorrow evening. So nervous, my stomach is doing flips.

Fingers crossed that you get the decision you are hoping for! There always seems to be that one last piece of info needed. Hope they issue your offer tomorrow.

Jkbc90

Thanks pigmyhippo. I hope today is the day, phone is fully charged and on loud, jumping out of my skin every time it makes a noise lol x

tazzababe100

Hi,
I am now waiting with you guys. My head is totally up my bum at the minute....this forum is keeping me sane as providing so much help...amazing!!

DIP accepted Fri 30th June
App and documents sent off Mon 3rd July
Broker delay, so Platform only received then Tues 4th July
Today (Thurs 6th July) case assessed and they have instructed valuation.

Looks promising but I have no idea if it's going to be a "yes". Do they generally conduct a valuation at the beginning of the process or end?

Pigmyhippo

In our case (Natwest) the valuation was instructed at the beginning of the process with the offer issued about 2 weeks after valuation had taken place.

Jkbc90

Tazzababe they sorted our valuation quite early on, before the hard credit check and employer forms etc..

Broker office is officially closed.. still no news. I rang an hour ago and was told they would call me wether they had news or not.. guess it's another day of waiting for me x

R&C

Quick question..

How long does it take from mortgage application to instruction of the valuation?

We have gone through the whole underwriting process to get our DIP with Nationwide, which took almost 3 weeks of badgering them. They now can't give us a mortgage application appointment until next Tuesday. Our seller however has started to get a bit antsy, and I think a valuation being instructed will put her mind at rest.