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

lena_halo

Feel like we've been waiting forever for our offer! It's nearly a month since our application was sent to Nationwide, although last Friday they did request an additional payslip from myself (not my partner though?! But we sent both) through our broker and I've spoken with him today and he says they are still going through the paperwork and will let him know within the next 48 hours (so probably Monday).

The wait is making me anxious, I hope it's good news

gjheward91

No update my end.... My application is still locked, Barclays BDM is back Monday who has more access than others, so should be able to re-open the case to issue the offer!

nervousFTB_2

Just adding my time line as have just got our mortgage offer letter today :j
We applied with Halifax on the 18/4 through a broker who submitted our application along with P60s, 3 months pay slips and bank statements and proof of deposits. Our valuation was booked for the 26/4 and she called us a few ours later to tell us they had offered us the full mortgage and two days later we have our offer letter. No messing around and no asking for more details it really couldnt have gone smoother. Apparantly the solicitors has been busy in the background so pretty much done and we will discuss exchange and completion dates this week :-)

Noobie2011

Thought I would add my situation to the list with a Natwest Mortgage and really on edge now waiting the final decision.

DIP accepted with Natwest through a broker on 6th April
Full Application on 9th April
Valuation fee taken on the 11th April
Valuation booked for the 26th April
Valuation accepted on the 27th April
Now awaiting final decision of an offer or not.

We have less than perfect credit scores so really nervous but hoping in the 2 weeks we were waiting for the valuer to go out that they have already assesed us and we are fine as why wait to check us after the valuation so fingers crossed

Jeden

@chanlf91 - Builders called me Friday to say the survey/valuation has been completed and will be with the lender by the end of the day. Hoping for an offer early part of this week.

The builders have let us delay paying for the upgrades until the end of the week so just got to hope they pull their fingers out this week and get the offer to us.

They have t requested bank statements as of yet and only asked for our payslips and p60’s. I’m hoping they won’t request them due us is falling nearly 150k inside affordability even with outgoings.

Any further new for you guys?

Chanlf91

@Jeden

Oh good I'm glad everything's going smoothly for you. Hopefully you'll have your offer this week! Have you instructed a solicitor yet?

We gave our broker an up to date bank statement and a letter about a small debt my partner is paying off ( £10 a month £90 left). Our broker seems pretty confident about our application which reassures me a little. Hopefully the next we'll hear is the valuation being booked!

My OH is friends with the estate agents aswell and they're keeping us updated. They told us last week that our vendor has just had her offer rejected but she is needing to move towns in the next 3 months for work.

At the minute I'm wishing away the weekends as I hate this not knowing!

Keep us all updated and don't forget to let us know when you've got your offer this week

monz

Applied with HSBC on phone - 25th April
Mortgage advisor appointment - 27th April
Awaiting outcome underwriters currently.

Does anyone else have experience with them

Brutos

My on going story with TSB

Applied on the 28/3 through borker
Since then we get an request every 5 to 6 days regarding documents, so I cant even remember timeline on when we provided documents.
30/4 and we are no nearer to knowing the status of our applictaion broker spends up to 45 minutes trying to get through to TSB which I now regretted applying thorough.
We are about to pull the plug and go with Halifix.

Slick88

Timeline now stands at...

03/02 - AIP with Natwest
12/2 - Appointment with independant MA to look at available options
14/2 - First and Second viewing of a property new to the market that day!
14/2 - First offer rejected (it was a very cheeky offer
15/2 - Second offer rejected
17/2 - Third and final offer accepted
22/2 - Began to instruct Solicitors
23/2 - AIP with MA for TSB accepted and full application submitted
26/2 - Full application received by TSB - Credit check appears on file - Survey money taken
26/2 - MA puts survey on hold until Application process has moved forward.
5/3 - More documents requested and alteration to Gift declaration (make sure if your getting a gift and a joint applicant both your names are on the gift statement!)
5/3 - Documents returned same day - MA passess info across and tells us survey should be instructed week of 12/3
13/3 - emailed MA yesterday for an update yesterday and patiently waiting for a reply
14/3 - MA informed us he had instructed the Survey.
19/3 - Phoned MA for an update to be informed TSB have a back log due to new products making them a 'victim of their own success'.
21/3 Surveyors made contact in order to sign off the survey instruction and to provide email address..
29/3 - Homebuyers survey takes place
30/3 - Report received.
3/4 - Phoned MA to see abotu application. MA informs me they needed the whole sheet of my CC statement not jsut the first page. not that it makes the blindest bit of difference!
5/4 - Searches come throguh from solicitor and we take advisement on issues rising from both the searches and the survey.
5/4 - Decision made to withdraw offer due to structural problems.
7/4 - Offer made on a new property - Rejected
7/4 - Second and final offer made
9/4 - Offer accepted
9/4 - Phoned MA to advise of new property who tells me he didnt recieve the CC statement (even thoguh its in sentbox...) CC resent. New Address given. Money for Valuation taken.
9/4 - Solicitors instructed on new property and they realyl hit the ground running! Highly recommend LPL Conveyancing.
10/4 - Text from Quest to inform valuation had been instructed (different company from the last one)

And now th waiting game continues. My once beautiful hair is now littered with white and silver!

23/4 Phone call from EA to say that the survey still hadnt been booked and Vendor is contemplating putting it back on the market.:eek:

23/4 PHone MA to find out what the hell is going on. After some very angry phone calls and emails it turns out TSB had been phoning the wrong number for A WHOLE WEEK to book the survey and hadnt informed us of any issues.:mad::mad::mad::mad::mad::mad::mad:

24/4 MA Phones TSB to book valuation with new number. Valuation booked same day.
25/4 Valuation booked for 1/5

Brutos

Slick88 wrote: »

Timeline now stands at...

03/02 - AIP with Natwest
12/2 - Appointment with independant MA to look at available options
14/2 - First and Second viewing of a property new to the market that day!
14/2 - First offer rejected (it was a very cheeky offer
15/2 - Second offer rejected
17/2 - Third and final offer accepted
22/2 - Began to instruct Solicitors
23/2 - AIP with MA for TSB accepted and full application submitted
26/2 - Full application received by TSB - Credit check appears on file - Survey money taken
26/2 - MA puts survey on hold until Application process has moved forward.
5/3 - More documents requested and alteration to Gift declaration (make sure if your getting a gift and a joint applicant both your names are on the gift statement!)
5/3 - Documents returned same day - MA passess info across and tells us survey should be instructed week of 12/3
13/3 - emailed MA yesterday for an update yesterday and patiently waiting for a reply
14/3 - MA informed us he had instructed the Survey.
19/3 - Phoned MA for an update to be informed TSB have a back log due to new products making them a 'victim of their own success'.
21/3 Surveyors made contact in order to sign off the survey instruction and to provide email address..
29/3 - Homebuyers survey takes place
30/3 - Report received.
3/4 - Phoned MA to see abotu application. MA informs me they needed the whole sheet of my CC statement not jsut the first page. not that it makes the blindest bit of difference!
5/4 - Searches come throguh from solicitor and we take advisement on issues rising from both the searches and the survey.
5/4 - Decision made to withdraw offer due to structural problems.
7/4 - Offer made on a new property - Rejected
7/4 - Second and final offer made
9/4 - Offer accepted
9/4 - Phoned MA to advise of new property who tells me he didnt recieve the CC statement (even thoguh its in sentbox...) CC resent. New Address given. Money for Valuation taken.
9/4 - Solicitors instructed on new property and they realyl hit the ground running! Highly recommend LPL Conveyancing.
10/4 - Text from Quest to inform valuation had been instructed (different company from the last one)

And now th waiting game continues. My once beautiful hair is now littered with white and silver!

23/4 Phone call from EA to say that the survey still hadnt been booked and Vendor is contemplating putting it back on the market.:eek:

23/4 PHone MA to find out what the hell is going on. After some very angry phone calls and emails it turns out TSB had been phoning the wrong number for A WHOLE WEEK to book the survey and hadnt informed us of any issues.:mad::mad::mad::mad::mad::mad::mad:

24/4 MA Phones TSB to book valuation with new number. Valuation booked same day.
25/4 Valuation booked for 1/5

Glad you are getting somewhere with TSB, I really dont have that patience with them. If they are behind on applications with a backlog, pull more people in to help, but I guess they can not now with the mess they created with the upgrade.