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

gazfocus

kzboard wrote: »

Well, we are back from our week's holiday now. We got the HomeBuyer's Report through on the day we went away and to be honest I don't really know what to make of it. There are a lot of 3's on it, which we were surprised about because it was a house we considered suitable to move into without needing any work doing.

We haven't said whether we want any further reports or surveys or anything carried out yet, but the vendors have asked via the estate agent if they can have a copy of our HomeBuyer's Report. Is this normal? It feels rude saying no, but then if they wanted one shouldn't they have paid for one themselves?

To be honest, I would say no to the vendors. If there's a particular part that warrants a negotiation to the asking price, then by all means send them the relevant page(s), but as you said, if they want a report, let them pay for it.

[Deleted User]

15/01 sold my flat
18/01 viewed house
20/01 first and second offer rejected
21/01 third offer accepted
23/01 full application with Natwest Help to Buy awaiting further developments...
27/01 call from underwriters need copy hope OH P60 which will show £5k more then what the mortgage man put down because of overtime so not worried about that. Do you think they will accept a fax or scanned email or will they need to see the original?
28/01 Text(?) from natwest man to say a scanned copy is fine, hubby sends it over, further texts to say 'Will be great for you to get your new home' which i reply 'fingers crossed it all goes through' to him replying 'trust me, it will all be great' i really don't know what to make of that??

gazfocus

gazfocus wrote: »

05/01/2014 - Saw house on Rightmove and fell in love.
11/01/2014 - Viewed house and loved it even more (only needed the one viewing really).
11/01/2014 - First offer made on house.
15/01/2014 - First offer rejected.
15/01/2014 - Second offer accepted.
15/01/2014 - Got AIP from Natwest for £7k more than needed.
16/01/2014 - Instructed Solicitors.
21/01/2014 - Received Memorandum of Sale from EA.
21/01/2014 - Full Mortgage Application Submitted via IFA.
21/01/2014 - Valuation Fee Paid.
21/01/2014 - Valuation booked for Friday 24th January.
27/01/2014 - Valuation came back ok
27/01/2014 - Halifax have requested 3 payslips for me. MA to submit.

28/01/2014 - MORTGAGE OFFER ISSUED (trying not to hurt myself as I bounce off the walls lol). Cannot believe it's only taken a week.

bethg2009

:t:t:t:t:t:t

gazfocus wrote: »

28/01/2014 - mortgage offer issued (trying not to hurt myself as i bounce off the walls lol). Cannot believe it's only taken a week.

:t:t:t:t:t:t:t
congrats

bethg2009

:t:t:t:t:t:t

gazfocus wrote: »

28/01/2014 - mortgage offer issued (trying not to hurt myself as i bounce off the walls lol). Cannot believe it's only taken a week.

:t:t:t:t:t:t :t

Hitchy7

Hitchy7 wrote: »

Hi all,
I might as well join...
Going for natwest help to buy equity loan on a new build (this is from plan as won't be ready until may/June)
17/1 DIP with natwest
17/1 paid reservation fee and arranged meeting with broker but couldn't come out until the 28th :-( - he did the DIP for us
18/1 Instructed solicitor
25/1 Id documents and proof of gifted deposit sent to the solicitor along with cheque for retainer and actual plot search
25/1 have gathered all supporting evidence required for the broker to make the full application

28/1 broker came last night to go through the key facts etc etc and gather all the evidence
29/1 broker to submit full application today......

Mrs_Z

Oooh, bit congrats gazfocus!!! Not sure if I can yet join this thread.... viewed a house on Sat, first offer put in an offer on Mon and rejected. Second offer put in straight after - but not accepted yet (but not rejected either!!!). Looks as though we need to sell ours first which we did not want to do... the same EA is coming to do a market valuation tomorrow.... tender hooks I am!!!!

Hannah88811

Well I think I will join in with my timeline so far

15/1/14 - first viewing on house
17/1/14 - second viewing on house
20/1/14 - AIP sent and received
20/1/14 - offer submitted and accepted within an hour
21/1/14 - mortgage application sent through broker
21/1/14 - application received text and valuation booked for 28/1/14 text
28/1/14 - satisfactory valuation text received
28/1/14 - solicitors instructed

So that is where we are at today. Hopefully the next text we get will be to offer us our mortgage, fingers crossed!!

gazfocus

Hannah88811 wrote: »

Well I think I will join in with my timeline so far

15/1/14 - first viewing on house
17/1/14 - second viewing on house
20/1/14 - AIP sent and received
20/1/14 - offer submitted and accepted within an hour
21/1/14 - mortgage application sent through broker
21/1/14 - application received text and valuation booked for 28/1/14 text
28/1/14 - satisfactory valuation text received
28/1/14 - solicitors instructed

So that is where we are at today. Hopefully the next text we get will be to offer us our mortgage, fingers crossed!!

Fingers crossed for you Who's your mortgage with?

Hitchy7

Ours declined... Broker going to halifax now as they have provided a dip but think its game over and now need to find another rental