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

Ftb1992

We meet again stu! You appear to be the only person in the same boat as me right now. NatWest intermediary solutions showing up on my equifax report as a hard search, done at DIP stage through a broker. Does this mean all is ok regards credit checks?

Application been in 3 days and I'm already nervous as hell :j

eurowood

Good morning all, thought I'd join you in this very destressing stage of life

15/08 - Girlfriend looks at house (unable to attend due to work commitments
18/08 - We both look at house together
20/08 - Offer accepted on house after two previous bids rejected
22/08 - Through broker we have AIP accepted for mortgage deal with Santander
29/08 - Valuation booked for 5th September

And the waiting game carries on. I'm losing my hair

henrypootle

I'll join you... currently buying a repossession so everything has to be done in 28 days... eeeek.


Offer accepted on property - Tuesday 29th Sept
Mortgage application done - Wed 30th Sept (Accord mortgages)
Valuation booked for 12th Sept


Meanwhile things have started with the solicitor as well. I'm a nervous wreck!

middy991

Broker thought we should have had an update today but she says they still have to check the last documents we sent nd says there slow,doing my head in now

Ftb1992

middy991 wrote: »

Broker thought we should have had an update today but she says they still have to check the last documents we sent nd says there slow,doing my head in now

I'm a bit late to the game but which lender are you with ? Hope things move for you soon :j

middy991

were with vida homeloans as its a bit complicated,still expecting a big fat no

tt07

We are waiting a Mortgage Decision and part way through the process
04/08/17 - AIP Done
06/08/17 - Plot Reserved
11/08/17 - Chat with advisor
17/08/17 - Got Application Form
21/08/17- Application Received and Scanned
23/08/17 - Passed 1st checks and passed to underwriter
25/08/17 - Surveyor booked for 4/9
04/09/17 - Surveyor Been

Cheery_Daff

Cheery_Daff wrote: »

Well I am NOT impressed :mad:

30th - decision in principle for £215k
9th Aug - offer accepted
17th - full application done through broker for £215k
22nd - broker requested extra docs
29th - building society got back to broker to say would only lend £212k
29th - I emailed proof of impending pay rise which will easily cover the extra £13 a month
31st broker emailed to say senior underwriter will now only lend us £195k (rising to £202 once pay rise has started) due to my student loan payment - which both broker and building society have known about from the start :eek:

To say I am NOT impressed is an understatement :eek: surely the point of a broker is to avoid such shennanigans? And how come building society would lend us £212k on Tuesday but only £195k two days later??

:eek:

Tried ringing broker but no answer. I'm actually on holiday and could do without this!

Still not sorted - I have now emailed different proof of payrise, AND figured out I can pay the damn student loan off from savings to make that problem go away, but no answer yet.

I am also VERY unimpressed with broker - all of the above has been communicated in two line emails from the admin staff, and despite repeated requests from me the broker has so far failed to even give me a five minute phone call to explain what happened (I suspect it was his fault for not putting the student loan on the original application), or to tell me what our options are - I came up with idea of paying off student loan myself.

Would have liked the opportunity to discuss the wisdom of paying off loan to get mortgage with broker, but as he refuses to talk to me... :mad: I know it's not normally advised, but there's not much left, and if it's the only way of getting the house... Of course, I don't *know* if it's the only way of getting the house as I can't talk to the bloody broker! :mad:

Sick to death of having to ring the admin team every day and be fobbed off.

Hey ho. I suppose these things are sent to try us. I went to him because of a recommendation though and I certainly won't be recommending him to anyone else, even if he does get me the mortgage!

Time2go

Bemoan that was a quick response from precise. I have just requested atp from htb agent hoping we get that Friday and full app in then.

We are selling our flat to purchase new build so hoping their mortgage progressing well just got to tick off listed building consent which hopefully with small tweak we will get tomorrow.

HGW2012

Latest from me

31/7 DIP
5/8 Offer accepted
7/8 Solicitor appointed (currently on hold until mortgage app through)
9/8 Broker appointment, all documents given and mortgage chosen through Halifax
18/8 1 pay slip requested from Halifax
21/8 Valuation booked for 31st
31/8 Valuation went ahead

As we had home buyers survey as well apparently it takes 5 days for report to be uploaded so hoping for that to be uploaded and full mortgage offer by end of the week!