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

middy991

Valuation carried out on Tuesday nd came back same day ok just waiting on offer now but lender says upto 7 days

Manni123

This is from my morgage broker what does he mean so confused😂 don’t think they will need more wage slips as it’s back with the under writers again after validating documents.

Manni123

Could someone please help me

Cheery_Daff

Is this what the brokers have told you? - 'don’t think they will need more wage slips as it’s back with the under writers again after validating documents.'

That seems to mean that, at the minute, the lender (bank/building society) don't need you to provide any more wage slips, as your application is currently being looked at by their underwriters (who are the people who make the decision about whether or not to give you a mortgage). It seems they have validated your documents - which just means they have checked them (at this stage they've probably just checked they have everything they need from you).

Does that help? It seems to mean the lender has everything they need for now so you'll have to be patient and wait for them to get back to you!

If that doesn't make sense in context, you should probably go back to your broker and ask them what they meant

feekerry

Got a call on Friday from broker saying lender happy with application and could I clarify a few points. Then got a text last night saying valuation instructed for next week!!!!
Lender is paying for valuation so hopefully this is a massive plus point they have instructed this!!

middy991

mortgage offer received this morning, sellers solicitors seem to be holding it up been over 3 weeks nd my solicitor still waiting on the contract pack from them

mailmannz

Well, this was quick. Applied last week for a mortgage through Barclays with the paper work being sent off on Friday morning.

Got a letter today (Wednesday) from Barclays saying "congratulations, find enclosed confirmation of your mortgage offer"

Now to get the ball rolling with everything else!

Regards

Mailman

Budapest123

Bit of an update: found out yesterday that the mortgage has gone through and the formal docs are in the post!

Now just to try and get our solicitors to do sonething!

:j:j:j

LittleMac13

I'm hoping Santander are quick with mine too! They've been pretty speedy so far :-)

16-Oct-17 - Applied for AIP (8pm)
17-Oct-17 - Got AIP certificate (at 9am hah!)
23-Oct-17 - Submitted full application with broker
26-Oct-17 - Submitted extra info as Santander requested
28-Oct-17 - Received call for valuation appointment
31-Oct-17 - Valuation!!
*EDIT* - 06-Nov-2017 - MORTGAGE ACCEPTED!

Just hoping now that the valuation goes okay and I received an offer soon :-) Fingers crossed!

One question, does the fact I'm at the valuation stage mean I've "passed" whatever criteria Santander look for when underwriting? Or do they just run alongside each other?

:-)

tkel01

Got AIP approved after referral with Leeds BS.....full application went in on Friday.....cant sleep...feel 10 years older!