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

michbright

Fisa002 wrote: »

Glad to hear that. Who have you applied for a mortgAge with again? And are you on talking / contact terms with your vendor?

We have a complicated history, so have gone with Pepper for our mortgage.

In a unique twist of fate, my husband actually works with one of the vendors - a fact we didn't know until we knocked on their door for a second viewing (I did the first viewing alone), so yes we're on speaking terms with them. Her partner is a builder, so we're looking at having some internal work done just before completion, which he's willing to do as well.

loobiej1

impatient-ftb wrote: »

FTB - new to forum but find reading other posts helps settle my nerves

5/2/18 1st offer - rejected
6/2/18 2nd offer - accepted
11/2/18 DIP and full application made - Nationwide
14/2/18 Valuation took place
14/2/18 Valuation results received
15/2/18 Case passed for full assessment

Now for the nervous wait to see if we've been accepted. Does anyone have any experience with Nationwide how long it takes for them to look at your file.

Super impatient and nervous! Although hasn't been long at all its all i can think about! Waiting on offer before I feel i can start start bugging solicitor.

Have you heard anything impatient-ftb ?

Dolly123

My turn...

17th Nov 2017 - AIP agreed
Waited agessss for my plot to be released
7th Feb Reserved plot
9th Feb Submitted Mortgage Application with Natwest
9th Feb Passed credit check
12th Feb Valuation Fee taken from card
14th Feb requested 3 more payslips for me as I!!!8217;m highly commission based & Valuation booked for the 19th
15th Feb Mortgage Approved Subject to Valuation!
19th Valuation today went well he was happy!

How much longer do you reckon before Natwest issue a MO?

Size4riggerboots

Update .....

15.10.17: Viewed show home.
25.10.17: Applied to open international account with Barclays as it is a prerequisite to applying for a mortgage.
17.11.17: Reserved new build due to complete April 18.
21.11.17: Account finally opened.
05.12.17: Scheduled telephone mortgage appointment; contact choose to be unprofessional and not answer. Instead sent an email stating due to cross border rules and regulations they could not offer a mortgage. (Even though from day 1 we were very clear about my partners nationality and transferred 25k into the bank account they allowed us to open!).
05.12.17: Stressed what the hell to do now.
09.12.17: Spoke to mortgage advisor who was very helpful. Found us a mortgage packager.
13.12.17: Submitted all requested documents in the hope of an AIP.
21.12.17: AIP with NatWest International.

Christmas and New Year meant everything paused

08.01.18: Full application submitted. Requested more documentation.
09.01.18: All additional documents submitted.

19.02.18: Formal mortgage offer received!!

Extremely torturous wait but unusual circumstances meant it was difficult. I was told that it would be impossible for my partner to get a mortgage here in the UK (he!!!8217;s a foreign national) but I don!!!8217;t like being told something is impossible. If you have the will and a good broker then it can be done

Fisa002

Dolly123 wrote: »

How much longer do you reckon before Natwest issue a MO?

I know somone very recently got the offer in the post 4-5 days after valuation with them.

Fisa002

Size4riggerboots wrote: »

19.02.18: Formal mortgage offer received!!

Extremely torturous wait but unusual circumstances meant it was difficult. I was told that it would be impossible for my partner to get a mortgage here in the UK (he!!!8217;s a foreign national) but I don!!!8217;t like being told something is impossible. If you have the will and a good broker then it can be done

Well played. Must be well worth the wait. Theres hope for all of us ! :beer:

loobiej1

well done Size4riggerboots.

my valuation was done at 9am this morning

jolester

So, we have our A.I.P.... all good, shame our mortgage broker is a bit dippy and doesn't fill me with much confidence that everything is going to go smoothly, still.... fingers crossed and hoping and praying that it isn't too long or stressful til we get confirmation

paddyandstumpy

DIP from Halifax mid January based on 4.75x combined income.

Offer accepted on a house yesterday, mortgate would work out at just under 4.5x combined income.

IFA applying for AIP today (I thought AIP and DIP were the same thing, apparently not...) at which point he will advise where to apply.

Fingers crossed, we really want this house after exhausting the market (and our patience) where we are.

13th viewing lucky!

loobiej1

Ibrahim358 wrote: »

Offer accepted on property 8/02/18
Dip from nationwide 8/02/18
Full application submitted 9/02/18
Servey booked for 15/02/18
Application and servey passed for full assesment!!!129310;

Have you heard anything since your application was sent for assesment?