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

ashe

Maka344 wrote: »

UPDATE:

23rd Jan Full Application
25th Jan Valuation instructed
29th Jan Valuation completed
31st Jan Valuation accepted by CB and broker said they are willing to lend at the requested amount
7th Feb Broker requested declaration and direct debit mandate to be signed and a copy of my employment contract (requested by CB)
12th Feb husband hard credit search but nothing on my file
14th Feb CB requested details of my employment history and my last two year p60's
20th Broker told us that CB have verbally told him it is approved over the phone and offer should be the end of the week but of course, they are Scotland based and they have been impacted by the snow. My broker keeps saying as of yet, there's no offer and won't commit to anything beyond that. So we are a little confused and really need to arrange the building survey

You can always ring them yourself to confirm

Maka344

They won’t speak to me. Only the broker...

allyant

Morning folks, does anyone who has applied with Barclays know if the application is agreed pending on valuation report once the valuation has been requested?

cbullock

Allyant, shortly after we applied, our broker told us "Your credit search with Barclays has been successful and your mortgage is approved subject to underwriting (verifying your data and documents) and property valuation." if that helps?

Maka344

Update.

Hard offer received!

Thanks for all the support and good luck to everyone going through the process.

cosygoals

Lurker of the board - joining in to share my tale!

A month ago we hadn't even thought about buying a house.. a house in the village has been on the market for 5 years and my husband had ignored my hints and requests to think about it. I gave him some calculations that soon got him interested on the 8th of February.

8th of February called the agent for the house and was told that a offer had been accepted in August and were still holding the property sale for them to save a deposit!! I called them back and asked if they would give that couple a deadline and the agreed. Monday!
8th of February 2018 - AIP Secured with London & Country
14th February 2018 - Viewed the property
15th February - Offer placed and accepted (£98,000)
16th February - TSB decline on soft credit search
19th February - Natwest happy after credit search
26th February - Valuation done and valued at £98k. Mortgage is £93,100.
1st March - Full application with the underwriters.
..........Waiting for Mortgage offer

Alarae

Small update... application passed to underwriters late today. Santander are currently looking at applications from 27 Feb so maybe we will hear by the end of the week?

Sazmag96

Allyant

I was told by my broker that my mortgage had "been approved pending valuation" but when I posted that on here I was told that was impossible and it couldn't be approved without a valuation

Seems to be a common theme that brokers are telling us all this

steph2901

Precise have taken my £410 valuation fee, I hope that's a good sign!

happytails

We were on this thread back in Jul 17 when we were awaiting a mortgage for the house we were buying. We got accepted but our buyer pulled out. No luck securing another buyer so decided to take it off the market, refinance and release equity to do the house up & pay some debts. So here we are remortgaging

28th Feb - Contacted broker
5th Mar - Broker speaks to Nationwide - they wont lend us the equity to 90% ltv, so no good.
6th Mar - Broker does AIP with Virgin. We decide to go with them
6th Mar - Application submitted.

Now we wait :eek: