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

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  • tt07
    tt07 Posts: 98 Forumite
    Part of the Furniture 10 Posts Photogenic Combo Breaker
    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
    Ali03 Posts: 14 Forumite
    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
    CommitedToChange Posts: 1,325 Forumite
    edited 12 September 2017 at 3:02PM
    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
    Ali03 Posts: 14 Forumite
    Just to add to mine;

    12/09/2017 - NatWest called to say our mortgage has been approved subject to valuation, yippee! :j
  • Cheery_Daff
    Cheery_Daff Posts: 17,273 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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:
  • 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.
  • 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....
  • Has anyone been in the situation where a mortgage in principle was offered and then the computer refreshed and it was declined?? 😔
  • Cheery_Daff
    Cheery_Daff Posts: 17,273 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ours hasn't been declined (yet) but the amount was reduced quite substantially for various reasons, and now the house has been valued at £0 so I'm not holding my breath... seems to go to a different underwriter every time it goes back and they all seem to start from scratch and find sonething wrong with it, rather than going with the decision of the last person and just accepting the extra evidence we've provided.

    A most tiresome process... Part of me is wishing we hadn't bothered trying to move :o
  • So just heard from broker application gone to final underwriter for final checks so should know in 48 hours,Kacking it even more now could be a long weekend
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