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

Lanaiya

Feeling very anxious now my mortgage application is in! I am a first time buyer and my income is a combination of salary and disability benefits, so I am very worried I will be rejected...

Applied to RBS
31 May - decision in principle for up to 73,000
4th June - offer on house accepted
5th June - online application made for 45000 mortgage with 15000 deposit
6 June - confirmation of receipt of application
8th June - request for documents, upladed 3 months payslips, 3 months bank statements of current and savings account, ID and signed agreement
9th June - payment taken for valuation ....

karasdfghjkl

Updates in bold...

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
9/6/18 - found out via sales manager valuation carried out on the 8/6/18 due to better access to the site
10/6/18 - text from nationwide saying valuation report received and mortgage offer was issued!!!!

The application hasnt even taken a week... thank you Nationwide!!!:j

FTB2626

Feeling so anxious about my mortgage application with Halifax.

DIP- 22nd May
Full application - 30th May
1st of june - News from MB that no further paperwork required and they have instructed valuation
Valuation booked for this wednesday (13th June)
Has anyone ever gone with halifax? How long until the valuation report is in?

So worried that for some reason we will get rejected....

jedthehumanoid

11/06 Broker sent me a message over the weekend to say offer has been issued, just waiting on the document. Can't believe we're at this point. Just hoping everything goes ok from here...

jedthehumanoid wrote: »

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.

jadeftb

We're applying to Halifax and have our valuation this Wed also. So nervous

FTB2626

Im so nervous!
Can hardly eat or sleep all thats on my mind. Fingers crossed its good news for us both.

Does anyone know how long until you hear from the valuation with halifax?

Lanaiya

Lanaiya wrote: »

Feeling very anxious now my mortgage application is in! I am a first time buyer and my income is a combination of salary and disability benefits, so I am very worried I will be rejected...

Applied to RBS
31 May - decision in principle for up to 73,000
4th June - offer on house accepted
5th June - online application made for 45000 mortgage with 15000 deposit
6 June - confirmation of receipt of application
8th June - request for documents, upladed 3 months payslips, 3 months bank statements of current and savings account, ID and signed agreement
9th June - payment taken for valuation ....

11th June - more documents requested:
Deposit gift letter
Contract of employment
Explanation for variable income
Statements for all credit cards

Panicking a bit that I am going to be refused due to zero hours contract!

scottishgirl87

scottishgirl87 wrote: »

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

As an update...
12/6 - Mortgage offer received via email just have to wait on it coming through the post :j

BabyDaisy15

16/05 - DIP submitted and accepted by Natwest
17/05 - Application submitted by broker to Natwest
21/05 - Valuation fee taken
24/05 - Valuation booked for 31/05
31/05 - Valuation completed
01/06 - Valuation received by NatWest. Broker advised 3-5 working days to assess
04/06 - Mortgage offer issued!

Thank god the worst is over. Now just for the legal side of things...

Good luck everyone!

swrajit

05/06 - Application submitted by broker to Natwest
06/06 - Valuation fee taken
07/06 - Valuation booked for 12/06
12/06 - Valuation completed
Valuation received by NATWEST Pending
Mortgage offer Pending ?