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

joe134

gazfocus wrote: »

Halifax valuation being done today...very nervous. Hoping it's an early valuation as they've not given us a time, then we may get some news later today

Hi Gaz, do you mind me asking how much Halifax charge for valuation fee?

gazfocus

joe134 wrote: »

Hi Gaz, do you mind me asking how much Halifax charge for valuation fee?

I paid £355 (funnily enough though, the Homebuyers survey that I booked for next week is only £225).

joe134

gazfocus wrote: »

I paid £355 (funnily enough though, the Homebuyers survey that I booked for next week is only £225).

Cheers Gaz,easy money eh.? is the Homebuyers report with Halifax as well. ?Hope it all goes well.

right_track

06/01/2014 - Saw house on Rightmove.
07/01/2014 - Went to see the house
08/01/2014 - Offer made on house, rejected, 2nd offer made on house, accepted
13/01/2014 - Spoke to Broker who got AIP with Woolwich (Barclays)
16/01/2014 - Full application submitted to Woolwich with payment for valuation
22/01/2014 - Survey being carried out today
23/01/2014 - Survey carried out and valuation received - valuation is what our offer was so that's okay, may need additional damp survey
24/01/2014 - Paid solicitor to begin searches, 2012-2013 SA302 form requested from HMRC, 2011-2012 & 2012-2013 signed & stamped company accounts requested from accountants

and on it goes.....

gazfocus

joe134 wrote: »

Cheers Gaz,easy money eh.? is the Homebuyers report with Halifax as well. ?Hope it all goes well.

No, the homebuyers report is with a local surveyor. Found them through reallymoving.co.uk

[Deleted User]

15/01 sold my flat
18/01 viewed house
20/01 first and second offer rejected
21/01 third offer accepted
23/01 full application with Natwest Help to Buy awaiting further developments...

paye

My hair turning grey day by day, I am well nervous , I don't like waiting:(

Here my time line:

19/01/14 - viewed House

20/01/14 - Offer on property made and accepted - online mortgage application submitted and refereed to underwriters

20/01/14 @ 5pm call from Tesco Bank saying application is successful on the basis I send my wife payslip for January as it's her first month back to work after maternity leave.

21/01/14 - Valuation instructed by Tesco Bank

22/01/13 -call from countrywide surveyor confirming valuation booked for Friday 24/01/14

Waiting on result of the valuation. _pale_


Good luck to everyone still waiting.

FreddieFrugal

IanRi wrote: »

Hey there. Thought I'd join in.

14/01/14 - Offer made and accepted - online mortgage application submitted.

15/01/14 - Proof of deposit + payslip posted. Valuation booked for 16th

16/01/14 - Valuation took place, satisfactory report.

17/01/14 - additional proof of deposit requested by lender. (Sold sign up)

18/01/14 - additional proof acquired from bank and sent. Solicitor forms arrived in post.

20/01/14 - Solicitor forms + certified ID posted

21/01/14 - Solicitor received forms + ID, all fine. £300 paid to solicitor for search fees etc. Further proof of deposit arrived with Lender waiting approval.

Update: 22/01/14 - phone call from lender, previous proof accepted but need to send yet more proof because the printouts for a different account don't show something they needed to. Why they couldn't have said at the same time as the previous one I don't know. Another trip to bank and post office. Plus side - letter from estate agent confirming sale arrived, house up as Sold STC on rightmove.

23/01/14 - statements printed and stamped in branch, sent via post office.

24/01/14 - lender receives documents - pending approval. Hopefully wont be asked to send anything else now! Downside of having large deposit spread across multiple accounts and banks to maximise interest!

musheypeas

Hi all,

I'm finally stepping into the wonderful world of mortgages with the help of a RTB

I put in my application with HSBC yesterday the decision was it needed to go to the underwriters.

I am bring all the requested documents to them today, they also said I need a valuation

Any ideas on how long all this takes, is this normal, does this mean I'm probably getting a yes.

Any helpful advise will be much appreciated

gazfocus

Does anyone know how long it takes for Halifax to receive the results of a valuation?