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

Firsttimebuyers

If it's a big change then it could be yes, I don't think it's a bad sign - just a sign that they want to check everything out, which if it's an immediate no they wouldn't do.

mattconway

We have just heard from the Broker and the mortgage has been agreed subject to the valuation which is being done today at the development. We are so pleased, I can relax a bit now! They said the offer should be sent out by end of play Wednesday.


That is super quick just 1 week from application to offer if that sticks to plan.


DIP & Application 22/11/2017
Extra pay slips sent 24/11/2017
Valuation fee paid and booked for 27/11/2017 24/11/2017
Mortgage agreed subjection to valuation 27/11/2017

3rdtimemover

Further update. Last of documents accepted by Santander today & it's back to the underwriters again (was originally with them 10 days ago).

We're back to the start of the queue & they are onlyvreviewibg documents sent to them on 22 Nov.

Should we hear about the valuation at all? It happened on Thursday.

Thanks

mattconway

mattconway wrote: »

We have just heard from the Broker and the mortgage has been agreed subject to the valuation which is being done today at the development. We are so pleased, I can relax a bit now! They said the offer should be sent out by end of play Wednesday.


That is super quick just 1 week from application to offer if that sticks to plan.


DIP & Application 22/11/2017
Extra pay slips sent 24/11/2017
Valuation fee paid and booked for 27/11/2017 24/11/2017
Mortgage agreed subjection to valuation 27/11/2017

Mortgage offer received today!! 6 days from application with Natwest (through broker). They must be working super quick at the moment!.

SassySaver88

Update!!
Had a call from our broker, Mortgage Offer should be with us early part of next week he's received his copy
Fingers Crossed!!

SassySaver88

Mortgage Offer received today!!!!!
So off to the awaiting to exchange board

good luck everyone!!

Dolly123

Matt - How many extra payslips did Natwest request?

Tunny

29th Nov - AIP approved with Coventry BS (hard credit check)
29th Nov - Offer placed on house
29th Nov - Offer accepted
29th Nov - Solicitor instructed
30th Nov - full app
30th Nov - while still with MA signing bits - estate agent called to say the valuation has just been booked - within 10 mins of full app being sent off!!
1st Dec - Valuation carried out
1st Dec - MA called, Coventry questioned a £20 a month DD for our home insurance (do you think this means they have already done the underwriting?)
1st Dec - Coventry posted letter to accountants asking proof of income (not received by accountants as yet!)
4th Dec - heard from MA that valuation good.
4th Dec - sent paperwork to solicitors

All going nice and quick - but really want that offer letter so i can chill out and think about Christmas!!!!!

So stressful!

talulah25

So excited to be able to move over to this board. Our timeline so far:

9th Nov AIP

13th Nov 1st and 2nd offers rejected

15th Nov 3rd and final offer accepted

17th Nov solicitor instructed

20th Nov App submitted and immediately declined due to late payment (long story)

21st Nov-24th Nov battle with utility company to get late payment removed, successful!

27th Nov-4th Dec trying to get another AIP as OH's credit score took a nosedive due to above issue

5/12 AIP and app submitted

6/12 request for a few more documents not initially provided, immediately scanned and emailed

Our intended completion date was originally next week but for obvious reasons we are pushing it back to early January now. Easily the most stressful process we've ever been through, especially the late payment stuff.

Tunny

29th Nov - AIP approved with Coventry BS (hard credit check)
29th Nov - Offer placed on house
29th Nov - Offer accepted
29th Nov - Solicitor instructed
30th Nov - full app
30th Nov - while still with MA signing bits - estate agent called to say the valuation has just been booked - within 10 mins of full app being sent off!!
1st Dec - Valuation carried out
1st Dec - MA called, Coventry questioned a £20 a month DD for our home insurance (do you think this means they have already done the underwriting?)
1st Dec - Coventry posted letter to accountants asking proof of income (not received by accountants as yet!)
4th Dec - heard from MA that valuation good.
4th Dec - sent paperwork to solicitors
8th Dec - Mortgage approved and offer letter sent!!!!! :j:j:j

Finally!! So chuffed!!!