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

TamsinC

1st June - sends Rs OFFICIAL pension statement to mortgage broker as requested
6th June - broker emails - and lender won't accept a word of mouth pension statement
Really?! REALLY!! Did you expect them to?
Can I send an official letter or something?
Really?! REALLY!! Resends pensions statement and posts about her frustration on here.

overpricedcoffee

Prior to applying for the AIP which I did online I made sure I paid off and closed any remaining credit cards, store cards before applying.

Never been turned down for a Mortgage before but Barclays always makes me nervous despite banking with them for a few years.

02/06 - Applied for a re-mortgage from co-operative to Barclays at my local branch
05/06 - Gave further proof of wife's change of name to Barclays
06/06 - Gave signed declaration to Barclays and sent off to underwriters

Waiting now for the underwriters to do their thing.

FTBlalala

Pegasaurus wrote: »

Got a DIP from HSBC but I don't think they'll like our bank statements so going to find a lender who doesn't need them. Any ideas who they are at the moment?

We went with Virgin Money in the end and they didn't require bank statements. Only proof of deposit (savings accounts) and payslips.

jennhg88

Moving home and moving lenders as current lender takes childcare costs into account and won't lend us enough (only need to increase mortgage by 70k so this makes no sense but anyhoo). So here goes!

25 May 18 AIP from Natwest
31 May 18 Full application submitted
01 June 18 Requested previous year's bonus payslip from OH - supplied next day.
04 June 18 Valuation completed
05 June 18 Requested redemption statement for current mortgage - supplied same day
07 June 18 All actions have a tick in the tracker and we are waiting for a decision!

scottishgirl87

Hi all,

We have been house-hunting since selling our flat in September 2017 and are finally on our way to buying a new house...

03/04 - DIP from Halifax (having to use them as we are pushing our affordability)
21/05 - Offer accepted
07/06 - Mortgage application submitted via broker

Shellsey84

24/4- original DIP for Nationwide
15/5- offer accepted on shared ownership house (40%)
4/6- mortgage broker has not contacted as promised so new broker sourced
7/6- DIP and application made for Halifax and valuation fee taken via new broker.

Now it’s a waiting game! Any experience with Halifax and shared ownership mortgages??

karasdfghjkl

Hi All, actually happy to be able to join this thread. Now nervously awaiting any news from Nationwide

5/5/18 - DIP with Nationwide & new build home reserved with Bellway
- (slight wait due to my partner working as a contractor and waiting for renewal of contract development and brokers aware) -
4/6/18 - full application submitted with Nationwide
5/6/18 - valuation booked for the 10th June

Feel like I'm waiting for exam results again waiting for any news...*bork*

jedthehumanoid

08/06 Survey is actually happening today, so much for a couple of weeks! Everything crossed now.

jedthehumanoid wrote: »

Small update...


05/06 Broker contacted us to say Principality are happy to progress on to the valuation. Have upgraded to Homebuyers so may take a couple of weeks, but another positive step forward.

jedthehumanoid wrote: »

We can finally, tentatively join this thread. Our previous credit history isn't great but fingers crossed that our broker knows his onions...


15/03 Initial chat with Natwest, AIP given with soft search.
30/03 Issues on credit reports shown to Natwest, new AIP given.
15/04 Contacted broker as did not believe Natwest would accept our full application, they agreed
16/04 Begin house hunting in earnest
21/05 Initial offer made, rejected 24/05
24/05 Second and final offer made
25/05 Offer accepted
25/05 Back to broker to discuss options
31/05 AIP referred with Principality, as expected with previous credit issues declared (not a straight decline, woop!)
31/05 Progressed to full application with Principality


Nervously waiting now. Did not expect to be at this point as soon as we are - prepared for another 12 months wait at least.

greg2701

Evening all!

Nervous times currently as we await for the process to play out!

We have gone through a broker and are looking at a FTB mortgage with Natwest. Our timeline:

26/05 - DIP
31/05 - Offered on house
01/06 - Offer accepted
05/06 - Additional quarterly payslip requested for bonus calculation
06/06 - Applied for mortgage
06/06 - Valuation fee taken
11/06 - Valuation

Hoping for a smooth and speedy offer!

TamsinC

Updates in bold

18/5 Offered accepted on house - a complicated one as it has an annex with a kitchen
19/5 Broker instructed and all possible paperwork sent over
25/5 DIP from Sainsbury's
31/5/18 Application done
7/6/18 - valuation undertaken