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

benevs

benlan wrote: »

Any news BENEVS?

Not yet, mailed my mortgage adviser yesterday who told me that 'them taking there time is a good thing'? if there was a problem they would be on the phone straight away.

Anxiously waiting today.... Apparently should take 48 hours but should be today....

Trying not to email him chasing updates, I've mailed him every day for the past 2 weeks!

Pumpkim

All mortgage paperwork received in the post today, had a good read through and everything is in order :T
DH works away and went back last night so timing is unfortunate in that he can't sign anything until he's back next Sunday, and then it's a Bank Holiday. Frustrating as I like to get everything turned around and back in the post immediately - won't have anyone accusing me of holding things up :rotfl:
My solicitor was in receipt of the draft contract from vendors solicitor a couple of weeks ago, so hoping she'll get the initial info out to me this week! Exciting :T

Cheery_Daff

Fingers crossed to everyone else waiting...

I just got all excited at an email from brokers - but it was just asking for a missing bank statement (my fault, there was a giant list and I must have just missed one) and the last 3 years 'tax overviews' for DH - I thought I'd already given them these, but apparently that was the 'tax calculations', which are different...

Apparently we should just be able to download them from the online system though so we'll do that tonight and send them straight off.

Hoping that means the building society have already been looking at our application, and not just that the brokers are only just getting round to uploading it onto the system themselves! :eek:

Also had a giant form from the solicitors today which I think must be the TA6 form (to disclose alterations and disputes etc). DH is fretting as we have no documentation for some alterations that were done 26 years ago but there's not much we can do about that now other than offer an indemnity policy (and I'm taking NO responsibility as I was still in school when it was done! :rotfl: )

Will be VERY glad when all this is over and done with!

LuckyG

Cheery_Daff wrote: »

Great new pumpkin! :j

Complete lack of patience from me. Full application only done last Thursday and already I'm tearing my hair out :rotfl: Gone against all advice (again) and instructed solicitors already, so searches have already been commissioned Whatever happens, it won't be me holding things up! :rotfl:

I have to admit, I instructed solicitors before receiving my formal mortgage offer too

cap93

Hello everyone!

My timeline so far:
28th July - Viewed, Submitted offer and had offer accepted on house
31st July - Received AIP from Natwest
14th August - Submitted full mortgage application
17th August - Appointed Solicitors
18th August - Had a call about Home insurance from mortgage brokers (Surely a good sign?!)
21st August - Had confirmation from Mortgage brokers that a Valuation will take place on Thursday 24th.

Now onto the waiting game! I am so nervous!! I really have a bad feeling about this and I don't know why..

What is the time frame that you usually hear back from a Valuation? And if the valuation is acceptable does that mean you basically have been accepted/approved for the mortgage??

Thanks in advance!

MrCH

cap93 wrote: »

Hello everyone!

My timeline so far:
28th July - Viewed, Submitted offer and had offer accepted on house
31st July - Received AIP from Natwest
14th August - Submitted full mortgage application
17th August - Appointed Solicitors
18th August - Had a call about Home insurance from mortgage brokers (Surely a good sign?!) independent broker or NatWest mortgage advisor?
21st August - Had confirmation from Mortgage brokers that a Valuation will take place on Thursday 24th.

Now onto the waiting game! I am so nervous!! I really have a bad feeling about this and I don't know why..

What is the time frame that you usually hear back from a Valuation? And if the valuation is acceptable does that mean you basically have been accepted/approved for the mortgage??

Thanks in advance!

Can hear back from the valuation within a few days.
Read back in the thread if you have some time and see what some other Natwest customers have said

MrCH wrote: »

Natwest update

11/8 Offer accepted
11/8 DIP put in
14/8 DIP approved
14/8 All docs sent to broker for full app
17/8 survey fee taken out
18/8 email received to say that a survey will be done 23/8

Received an email yesterday to say todays survey has been moved to this Friday.


Probably hear back from the surveyors next Wednesday now?

benevs

Yay! Got my full mortgage offer last night! :beer::T:T:j

Here's the full timeline:
04/08 - Reserved house
08/08 - Agreement in Principle with Halifax for £108k
10/08 - Full Mortgage application submitted with Halifax
11/08 - Hard credit search on my credit report showing
14/08 - Told by mortgage adviser I've passed there initial credit checks and they have instructed valuation
16/08 - Received Help to Buy approval and authority to proceed
17/08 - Valuation Done and has come back all OK
18/08 - Application sent to underwriters to sign off
22/08 - Full mortgage offer received

MrCH

benevs wrote: »

Yay! Got my full mortgage offer last night! :beer::T:T:j

Here's the full timeline:
04/08 - Reserved house
08/08 - Agreement in Principle with Halifax for £108k
10/08 - Full Mortgage application submitted with Halifax
11/08 - Hard credit search on my credit report showing
14/08 - Told by mortgage adviser I've passed there initial credit checks and they have instructed valuation
16/08 - Received Help to Buy approval and authority to proceed
17/08 - Valuation Done and has come back all OK
18/08 - Application sent to underwriters to sign off
22/08 - Full mortgage offer received

Congratulations


I bet you are made up

Pumpkim

benevs wrote: »

Yay! Got my full mortgage offer last night! :beer::T:T:j

Great news! Now you can come and do more waiting in the 'Waiting to Exchange' thread :rotfl:

benlan_2

benevs wrote: »

Yay! Got my full mortgage offer last night! :beer::T:T:j

Here's the full timeline:
04/08 - Reserved house
08/08 - Agreement in Principle with Halifax for £108k
10/08 - Full Mortgage application submitted with Halifax
11/08 - Hard credit search on my credit report showing
14/08 - Told by mortgage adviser I've passed there initial credit checks and they have instructed valuation
16/08 - Received Help to Buy approval and authority to proceed
17/08 - Valuation Done and has come back all OK
18/08 - Application sent to underwriters to sign off
22/08 - Full mortgage offer received

AMAZING! Well done BENEVS!!!!!!