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

EllezBellz

First time buyer! Solicitors are hoping to exchange 5th of Jan! Could be unlikely?

5/12/17 - Offer Made & Accepted
11/12/17 - DIP Approved
12/12/17 Full application submitted to Natwest
12/12/17 Natwest Approved with Credit Checks
13/12/17 Valuation Fee and Application Passed to underwriters

Martin8870

Been reading these posts for a few days now and i just want to clear something up, here’s were we are at so far;

6/12 Recieved our AIP (soft search credit check)
8/12 reserved a off plan new build
11/12 payslips and statements sent to broker
12/12 broker said he has sent them off to the underwriters... does this mean he has filled out our mortgage application form and sent that to the underwriters?
He said we should have recieved an offer by friday 22/12 but also said not to pay any solisitor fees as of yet... so basically, so far, all i have done regarding solistors is rang around for quotes and made our broker and bellway homes aware of who we are using. Does this sound right? Im sure it is they seem a repertable broker firm but from reading other peoples timelines it doesnt seem the norm.

Is it possible the broker has sent our docs or application form to a number of brokers? Not sure how this works

If we pass a soft search credit check does this mean me have fully passed a credit check? I know the lender will do a hard search but as far as im aware a hard search just means it leaves a mark on your credit file, not sure if it means they go into further detail or not

Im running out of finger nails to bite, im going to start chewing my fingers soon! Very nurve racking.

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

14/12 Update - mortgage offer confirmed verbally today, should have a hard copy by Monday...so relieved!

mallen

Congrats Tululah, who was that with?

Currently awaiting valuation from lender next week

talulah25

mallen wrote: »

Congrats Tululah, who was that with?

Currently awaiting valuation from lender next week

Believe it or not Leeds Building Society, we read some really bad reviews after app submitted but...touch wood...they've been really good for us!

Good luck with the valuation!

Spikecast

So ours has gone like this (this is all new to me) so far with Leeds Building society on a new build that they want us in by end of Jan:

8/12 AIP
11/12 - Full application made (ID checks and Hard search done)
12/12 - Leeds BS request signed letter from father showing his portion of gifted funds.
14/12 Valuation carried out
15/12 Pack from solicitors has arrived
15/12 Request from Leeds BS for a letter from work with my return to work date (23rd December) and confirmation I am fit to return. (I previously supplied a FIT note signed by doctor)

My worry is I've been off work for 3 months on full pay (only one payslip shows sick pay (long story) but also quietly hoping that this will be approved now they've got the signed letter. Anyone got any experience of this?

Thanks

Martin8870

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

From your experience with Natwest, did they ask for bank statements?
We are in the same boat, I get paid weekly, partner monthly, I sent my broker 13 of my pay slips and 3 for my partner but Natwest have requested more as the broker only sent one of each of our slips to Natwest.

Boxdale

Started my own thread, but thought I'd post in here as well.

Just wondering if anyone can shed any light on what's going. Our mortgage application was made last Monday, valuation was instructed immediately, I know this is standard with Santander. We have had various documents asked for and submitted, and the valuation is booked in for Monday. Would they book in the valuation if they weren't convinced with our application? Seems a strange way to process the application if so.

Also checked my experian, equifax, and call credit last night and no soft or hard search is showing on either?

Spikecast

Boxdale wrote: »

Started my own thread, but thought I'd post in here as well.

Just wondering if anyone can shed any light on what's going. Our mortgage application was made last Monday, valuation was instructed immediately, I know this is standard with Santander. We have had various documents asked for and submitted, and the valuation is booked in for Monday. Would they book in the valuation if they weren't convinced with our application? Seems a strange way to process the application if so.

Also checked my experian, equifax, and call credit last night and no soft or hard search is showing on either?

Can't help you with top bit, but Leed's BS did two searches on us, an ID check and hard search on the 11th the same day we submitted it. I guess they all do things differently but I'm glad the checks were sorted straight away.

kezzygirl

I will join Nationwide mortgage timeline-
AIP 01/12/2017- ID and hard checks done
AIP increased value 11/12/17- ID and hard checks done
Offer accepted 12/12/17
Solicitor instructed 13/12/17
Mortgage application submitted 18/12/17- home buyer's report fee paid and initial payment to solicitor
19/12 valuation and home buyers report booked for 09/01

.....and so, we now wait!!!