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

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?

Dolly123

Fisa002 wrote: »

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

We got our Mortgage Offer today!! :j

Cant fault Natwest and my IFA its gone so smoothly!! :T

loobiej1

Dolly123 wrote: »

We got our Mortgage Offer today!! :j

Cant fault Natwest and my IFA its gone so smoothly!! :T

Congratulations :j

ashe

Nationwide mortgage offer !!!55357;!!!56397;!!!55356;!!!57340;