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

jolester

I really want to post our mortgage timeline but it is already causing me to lose the will to live so much that I feel if I do write it all down I'll just pull out !

All I'll say for now is we started the process on 09/02/18 and we're still waiting!

Fingers crossed the answer is soon and is good news, there's not much more information they can possibly need apart from a DNA sample from me to prove I am who I am, and maybe to arrange dinner between my accountant and the underwriter for them to confirm the 4 years worth of data from HMRC, companies house, the accountants themselves and my bank statements all which match each other are correct....

Banging.... head.... against.... brick....wall

ma786

jolester wrote: »

I really want to post our mortgage timeline but it is already causing me to lose the will to live so much that I feel if I do write it all down I'll just pull out !

All I'll say for now is we started the process on 09/02/18 and we're still waiting!

Fingers crossed the answer is soon and is good news, there's not much more information they can possibly need apart from a DNA sample from me to prove I am who I am, and maybe to arrange dinner between my accountant and the underwriter for them to confirm the 4 years worth of data from HMRC, companies house, the accountants themselves and my bank statements all which match each other are correct....

Banging.... head.... against.... brick....wall

Which lender have you applied with? Direct or via broker?

I hope my application doesnt take that long

jolester

ma786 wrote: »

Which lender have you applied with? Direct or via broker?

I hope my application doesnt take that long

I've gone through a broker and Accord is the lender

ma786

jolester wrote: »

I've gone through a broker and Accord is the lender

ah ok. I was told application to offer usually takes around 3-4 days... clearly not the case

jolester

ma786 wrote: »

ah ok. I was told application to offer usually takes around 3-4 days... clearly not the case

Who have you gone with?

Fingers crossed for you !

femster82

Get to finally post on this page :T

10 Mar - View house, last one of 7 in the area, hated first 6 & wasn't even gonna bother with last one.

Had to do affordability check with estate agent but put offer in same day

12 Mar - Offer accepted.

12-16 Mar - Searching around for best broker after mine did a disappearing act. Did AIP with Halifax over the phone, they were happy as long as I pay back my credit card before completion.

17 Mar - Emailed Estate agent broker that I've decided to go my own way. She upped her game got me a better interest rate, 5% deposit & don't have to pay back credit card before completion.

19 Mar - Full app finally submitted to West Brom Building Society. Accepted fully with 5% deposit. Free valuation but paid for Homebuyers Report for peace of mind.

Already got a text from building society that valuation is booked.

So far so good, but should I be expecting any hiccups as it has bee super smooth so far, mainly thanks to my credit rating and applying for no credit in past year.

One slight hitch, if anyone has experienced it, the seller had their offer for a house fall through, but are still keen to find another place this week.

ma786

femster82 wrote: »

Get to finally post on this page :T

10 Mar - View house, last one of 7 in the area, hated first 6 & wasn't even gonna bother with last one.

Had to do affordability check with estate agent but put offer in same day

12 Mar - Offer accepted.

12-16 Mar - Searching around for best broker after mine did a disappearing act. Did AIP with Halifax over the phone, they were happy as long as I pay back my credit card before completion.

17 Mar - Emailed Estate agent broker that I've decided to go my own way. She upped her game got me a better interest rate, 5% deposit & don't have to pay back credit card before completion.

19 Mar - Full app finally submitted to West Brom Building Society. Accepted fully with 5% deposit. Free valuation but paid for Homebuyers Report for peace of mind.

Already got a text from building society that valuation is booked.

So far so good, but should I be expecting any hiccups as it has bee super smooth so far, mainly thanks to my credit rating and applying for no credit in past year.

One slight hitch, if anyone has experienced it, the seller had their offer for a house fall through, but are still keen to find another place this week.

Thats amazingly quick! What did Halifax ask for documents wise?

ma786

jolester wrote: »

Who have you gone with?

Fingers crossed for you !

TSB via broker! The wait is killing me!

happytails

WE GOT THE MORTGAGE!!!

6th March - re-mortgage application submitted
8th March - valuation requested and booked
9th March - valuation at some point before 3
9th March - virgins solicitors contact us and send forms
14th March - Mortgage offer received :T:T:T
16th March - all paperwork and ID sent off
19th March - Virgin confirm receipt of paperwork
19th March - I notice a direct debit set up on our account for new mortgage.

Should complete within first 2 weeks of April.

happytails

Hampshire Im sure you dont have to declare if you are paying off within 6 months - im sure my mortgage advisor said that to me - dont quote me though!