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

giorgio992

giorgio992 wrote: »

16/1 DIP through broker with Tesco Bank referred.
17/1 DIP approved
19/1 Offer accepted
26/1 Full application submitted - 3 months bank statements and payslip requested.
27/1 call from countrywide to book valuation. Valuation booked for 7/2.

07/02 - bank statements arrive and uploaded to broker

sprlambanana

Received mortgage offer today, so here!!!8217;s our timeline:

First viewing: Sunday 14th Jan
Second viewing: Saturday 20th Jan
Offer made: Monday 22nd Jan
Offer accepted: Tuesday 23rd Jan
Solicitor instructed: Tuesday 23rd Jan
Mortgage broker full app for Post Office mortgage: Tuesday 23rd Jan
Mortgage broker phoned to say instantly rejected, so we got rid of MB: Wednesday 24th

Mortgage application submitted by ourselves to Nationwide online: Wednesday 24th Jan
Valuation: 30th Jan
Mortgage offer received: 7th Feb

19Jessie78

That!!!8217;s brilliant zoedmc...fingers crossed all goes well today.

Ours has got a complication but even so I thought we would have had a yes or no by now, phone call today and they said it!!!8217;s still with underwriters so suppose we just got to wait

Mermaid89

Stressful day today! Valuation still booked for 12th however Halifax requested bank statements to show "build up of deposit" .
Admin girl from the brokers office was not clear with what was needed and it took four emails for her to confirm she needed statements from our savings account, and not our everyday current accounts.

Of course, you cant download a statement online from a savings account...(no idea why!) So ordered these from the branch and picking up tomorrow. Hoping no problems and Halifax will accept them. sigh!

Mermaid89

sprlambanana wrote: »

Mortgage broker phoned to say instantly rejected, so we got rid of MB: Wednesday 24th

Mortgage application submitted by ourselves to Nationwide online: Wednesday 24th Jan
Valuation: 30th Jan
Mortgage offer received: 7th Feb

Instantly rejected? Sounds off!

zoedmc

That!!!8217;s brilliant zoedmc...fingers crossed all goes well today.

Ours has got a complication but even so I thought we would have had a yes or no by now, phone call today and they said it!!!8217;s still with underwriters so suppose we just got to wait

Thanks 19Jessie78 all went well valuation was done at 9.30am offer confirmed at 19.00pm

My case was very straight forward FTB sole application and I already bank with Santander

Hope you get the green light soon!

kawasaki_dave

Hope nobody minds me jumping in on this.

Partner and I been house hunting for around 7 months!!!!! First house we saw we fell in love with and offerred - refused, so second offer of just (£2.5k) below full asking price. Vendor then took it off the market saying he's decided not to sell.

Kept hunting but nothing measured up until December when we found our house. Offer in, wait and see, estate agent confident (house on market for several months) and then next day someone else makes bigger offer. Get into a bit of a bidding war and lose despite offering over asking price.

By this time first DIP had run out as well.

Finally think we found a house ten days ago now. Second viewing, offer of full asking price accepted (it was new to market, good price in good area). DIP confirmed same day by NW (29/01/18).

Full application made 03/02/2018

Valuation booked for 13/02/2018 (09:00)

Going on holiday for 2 weeks on 15/02/2018 so crossing absolutely everything for good valuation turnaround times and offer on day we fly which would set us up nicely for solicitor to sort everything while we're away.

I am, unfortunately, the most impatient person in the world and worry like mad when I know that no news should be good news!!

SharkBite

Max_Hughes wrote: »

Aaaand I'm off...

31/01 Offer made on property
02/02 Offer Accepted
05/02 DIP with Natwest made & approved (via broker)
05/02 Full application submitted (via broker)

Squeaky bum time...

07/02 Valuation booked for 13th
07/02 3 months payslips requested and sent

Mermaid89

08/02 - Bank statements sent to Halifax and accepted.
12/02 - valuation due

Only one big hurdle left...(famous last words!)

giorgio992

16/1 DIP through broker with Tesco Bank referred.
17/1 DIP approved
19/1 Offer accepted
26/1 Full application submitted - 3 months bank statements and payslip requested.
27/1 call from countrywide to book valuation. Valuation booked for 7/2.
07/02 - bank statements received and uploaded to broker/Tesco.
07/02 - valuation carried out
09/02 - query from underwriter about a previous address
09/02 - application approved subject to satisfactory valuation report being received