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

ma786

Slick88 wrote: »

So phoned the MA today as assumed we'd be free and clear having had the valuation as the last step but no apparently because I only provided the first page of my credit card statement which shows my address thats not good enough and they need the second page as well, despite the second page jsut being terms and conditions.

This is now getting beyond a joke. Once this mortgage is in place I will never use TSB again and I'll make sure we remortgage with someone else.

MA moaning it takes 2 hours to get through to them, well sorry mate but thats your job and your the one that suggest TSB in the first place.

Avoid TSB. I'd rather have paid more and got the mortgage quicker! We are suppose to complete Monday so that wont be happening! :mad::mad::mad::mad::mad::mad::mad::mad::mad::mad:

Oh dear! I know the feeling... everything is just dragging. With other people’s comments with their applications with other lender’s, it makes it worse as it seems to be done from app to offer within a few days!

gjheward91

2 years after living in my first house as a shared ownership, i'm now on the move!
Timeline so far is..

Reserved the new house - 24th March
Confirmation of our buyer - 3rd April
Help to Buy equity approval - 4th April
Mortgage application with Barclays - 4th April

I always said I'd never put myself through the stress again... but here we go!

captainusa

ma786 wrote: »

Oh dear! I know the feeling... everything is just dragging. With other people’s comments with their applications with other lender’s, it makes it worse as it seems to be done from app to offer within a few days!

One of the main reasons I went with Halifax for the second house in a row. Took days the first time a few years ago and is taking days the second time. Only had to produce 1 statement and 1 payslip each time. Probably not the best rate I could have gotten but plan to stay in this house so will shop around when it’s time to remortgage!

Semple

Currently going through the process, so will add our timeline as it will be interesting to see how long it took from start to finish.

22/03 - Viewing of the house
23/03 - AIP applied for, and 1st offer submitted
24/03 - 1st offer rejected, 2nd offer made and accepted
31/03 - Informed that our vendor has had their offer accepted on the property they wish to buy
03/04 - mortgage appointment arranged
05/04 - Obtained quote for solicitor (awaiting welcome pack)
11/04 - Solicitor pack came through
12/04 - mortgage appointment
20/04 - Survey terms agreed
24/04 - Survey Scheduled
25/04 - Documents dropped back to Solicitor
30/04 - Mortgage fully approved
30/04 - Chased solicitor for an update (waiting on sellers solicitor to provide contract)

HampshireH

Received my offer last night

Student loan company very nearly screwed our chances. Our broker had to intervene with the underwriter.

But all confirmed now. Finally

Fenda

HampshireH wrote: »

Received my offer last night

Student loan company very nearly screwed our chances. Our broker had to intervene with the underwriter.

But all confirmed now. Finally

What happened with your student loan?

Fenda

Updated status:

Mar 21: Offer accepted on property in Scotland
Mar 23: Mortgage application submitted
Mar 26: Natwest recieves valuation transcript from solicitor. (Scottish home report)
Mar 28: Natwest sign off on valuation and request additional documentation.
Apr 03: Natwest sign off on additional documentation but request one minor alteration to an employment contract.
Apr 04: Updated documentation sent.
Apr 04: ... online NatWest tracker has everything marked as Complete but is still in the Assessment & Valuation stage. Perhaps will take a couple more days..

ma786

Slick88 wrote: »

So phoned the MA today as assumed we'd be free and clear having had the valuation as the last step but no apparently because I only provided the first page of my credit card statement which shows my address thats not good enough and they need the second page as well, despite the second page jsut being terms and conditions.

This is now getting beyond a joke. Once this mortgage is in place I will never use TSB again and I'll make sure we remortgage with someone else.

MA moaning it takes 2 hours to get through to them, well sorry mate but thats your job and your the one that suggest TSB in the first place.

Avoid TSB. I'd rather have paid more and got the mortgage quicker! We are suppose to complete Monday so that wont be happening! :mad::mad::mad::mad::mad::mad::mad::mad::mad::mad:

Any progress for you at all?

lena_halo

Joining in !!!55357;!!!56842;

26th March - Viewed house
27th March - Offer accepted
31st March - Meeting with Broker to submit application to Nationwide. Solicitors instructed.
3rd April - text received from Nationwide to confirm our mortgage product has been reserved, application received.
4th April - Memorandum of Sale received.
5th April - Confirmed details with solicitors. Received text from a Nationwide to advise valuation report has been received and they!!!8217;re working on it.

Quite please with the speed of things at the moment although I know we are at a very early stage. Eek, so exciting though!

Also selling my leasehold flat (shared ownership) so have a surveyor coming to do a valuation report on Monday for my buyer and then hopefully if all good she will instruct her solicitors and we can all get moving. The people we are buying from are buying a new build though so I hope we don!!!8217;t have too much of a delay with that! They are aiming for completion May/June - I!!!8217;ve told my FTB it!!!8217;s more likely to be June/July!

clairey22

I am in the process of applying for a transfer of title with Natwest. I applied via phone on Tuesday. I have received the notification that I have passed the credit checks, they have the documents they need and the next step is it would go to the underwriters.

My solicitor has emailed me this morning to say she has received the offer from Natwest. I have emailed my solicitor to find out what exactly the notification said.

I called Natwest as nothing is showing on the online tracker and was told that the application has not even gone to the underwriters yet!

Is it normal practice for them to contact the solicitor before they grant an offer?