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

kingstreet

Time2go wrote: »

Didn't thought Halifax did more than 85% on newbuild unless you are using help to buyers

They do upto 95% for specific builders/brokers.

Time2go

I can now officially join in

Feb2015 spoke to broker re adverse gr dip with precise
Aug 2015 flat went on market
2017 Dip Precise mortgages Feb march to get ideaof lending
6 June offer revived plot reserved on new build
12 June broker about to submit full app
12 June stopbuyer pulled out
27 August new offer to low buyer 3
28 August new offer full asking price buyer 2 and accepted
29 August buyer 2 pulls out only had residential aip needed btl aip whoops
30 Aug buyer 3 upped offer and accepted
6 September buyer 3 mortgage approved to equity release and there survey set on our flat.
11 September mortgage offer to precise finally put in/

middy991

a quick one when the lender asks for more documents does that mean they havent started to go through the full application yet

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
05/09/17 - BS received Survey
09/09/17 - Copy of Survey in post
11/09/17 - Electronic copy of offer

Expecting postal version of offer any day :beer: :rotfl: :j off to the next thread, good luck to those waiting.

Ali03

Can I join please;

02/09/2017 - offer accepted
04/09/2017 - morthage application to NatWest
08/09/2017 - NatWest requested more payslips from partner, as he gets shift allowance
09/09/2017 - valuation fee paid
10/09/2017 - partner took payslips to a branch
12/09/2017 - valuation booked for 14/09/2017
12/09/2017 - NatWest rang to say they haven't received the payslips yet! Stupid branch lost them. Gave partner email address to send them too

It's such a nerve racking and stressful business. We have already lost 2 houses due to a mortgage advisor error and the other to the seller accepting another offer and wanting us to just race to the finish line, so we pulled out. So needless to say I am more nervous and scared than excited right now. I hope they accept my partners shift allowance otherwise we are doomed! I did read they accept 100% so hope it's right!

CommitedToChange

Hi Guys

After much stalking I finally get to join this thread - super scary and stressful already.

06/9/17 - Met broker, handed over all docs and did factfind
09/9/17 - view 4 house, really love number 3, sleep on decision
10/9/17 - put in offer - accepted an hour later!
11/9/17 - API sorted with Pepper
11/9/17 - solicitor instructed -
12/9/17 - full application put in

Now to stress and worry about the valuation - there is some damp that needs fixing, the vendors actually had a full survey done themselves so I know what to expect - just hoping I don't have any stupid conditions or retentions on my offer (assuming I get one).

Ali03

Just to add to mine;

12/09/2017 - NatWest called to say our mortgage has been approved subject to valuation, yippee! :j

Cheery_Daff

We had a letter today saying our new house has been valued at £0 - I'm pretty sure that doesn't mean they'll be handing it over for free :eek: :rotfl:

I think it's because it has over 10 acres of land, which I told broker at the start and he said the underwriter had said it was fine. Don't believe a word he says any more :rotfl: Solicitor says it should be fairly straightforward to split it and pay cash for part of the land and mortgage for the house and 'garden'.

Losing any thought of being in by Christmas - or even at all at this rate :eek:

hurtloam

Well, it was Thursday last week that Santander sent me a text message to say my application had been received and I've had no feedback.

HappyLassie13

Hello Everyone,

I've been following this thread for a little while now and thought i'd add my own little timeline on.

I am a FTB.

02/09/2017 - DIP with Natwest
07/09/2017 - Offer made on a house
09/09/2017 - Offer accepted
09/09/2017 - Conveyor and solicitor Instructed
12/09/2017 - Full application submitted, however to Santender (better deal and willing to lend on IBSF)
12/09/2017 - Text and Email received to say Santander had recieved application.

Waiting begins....