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

Lanaiya

Lanaiya wrote: »

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 - request for documents: contract of employment, source of deposit, credit card statements
14th June - uploaded all requested documents
15th June -tracker shows as valuation instructed and awaiting survey report
15 June - mortgage application approved subject to valuation

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 - request for documents: contract of employment, source of deposit, credit card statements
14th June - uploaded all requested documents
15th June -tracker shows as valuation instructed and awaiting survey report
15 June - mortgage application approved subject to valuation
19 June - valuation
20th June - loan offer :j:beer:

BladeY_2

Nationwide

Applied for Mortgage & received DIP through broker: 06/06/2018
Valuation: 14/06/2018
The broker said Valuation Accepted but no text: 18/06/18
Requested March & April Bank Statements: 19/06/18

The wait is officially killing me...

ric1982

BladeY wrote: »

Nationwide

Applied for Mortgage & received DIP through broker: 06/06/2018
Valuation: 14/06/2018
The broker said Valuation Accepted but no text: 18/06/18
Requested March & April Bank Statements: 19/06/18

The wait is officially killing me...

What does your MA says? Is it just some documents they need or they still need to check affordability etc.?

BladeY_2

ric1982 wrote: »

What does your MA says? Is it just some documents they need or they still need to check affordability etc.?

Apparently wanted the bank statements to check child benefit and tax credits payments.

saffy135

I applied full mortgage application with Natwest which has been referred, current timeline;

16/06/18 - Full application with credit check
03/07/18 - Survey booked

Good luck all

ric1982

BladeY wrote: »

Apparently wanted the bank statements to check child benefit and tax credits payments.

Sounds like its on track. Good luck hope it comes through. Keep us posted.

liviboy

Update:

09/06/18 - Viewed property - verbal offer made.
10/06/18 - Decision in Principle received.
11/06/18 - Formal offer made - offer accepted in principle. Estate agent instructed on the marketing and sale of our house.
13/06/18 - Estate agent measured our property, home report instructed and a few other bits and pieces. Negotiation with solicitor regarding included items in sale of new property.
14/06/18 - Full mortgage application made (Nationwide). Home report and survey carried out on my current house. Documents requested from Nationwide: Last payslip and proof of wife's bonus - both submitted electronically. Valuation booked for 15/06/18.
15/06/18 - Valuation received and under review.
18/06/18 - Application "passed for full assessment". Guessing it's just a waiting game now?
20/06/18 - 2 Decision in Principle - Decline notifications on the tracker - called up and they are questioning items on both my and my wife's payslips. Info provided over the phone and e-mailed in April's payslip.
21/06/18 - Called Nationwide to check if any further info required. Told no at the moment but documents would only be reviewed after Tuesday..another long weekend wait!!! Certainly not as smooth as 2014 when we were FTBs!!

TamsinC

FINALLY

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
21/6/18 - mortgage offer received

First_timer_buyer_stress

I am to a FTB waiting for a mortgage offer. I am so nervous. Have not slept in days.
We received a AIP from Natwest (Halifax declined) going through a MB (good friend). The AIP (hard credit checked by NW) was done early May.

The AIP was for £380k lend with 5% gifted despot. The offer made and accepted on Monday for our dream home was only £340k - lower then The AIP said they would lend.

MB sent all documents on Tuesday this week. Follow up credit check done same day by NW. NW Booked valuation surveyor immediately which was completed yesterday. Had a few follow up document requested via are MB yesterday afternoon ( extra pay slips, questioning a loan agreement)

Looking for some reassurances that it will all be ok. Any experiences and timescales? Feels like it!!!8217;s moving quickly but I don!!!8217;t know if this is normal?

How have you all got on being your applications to are recent? Any to Natwest. !!!55357;!!!56876;

hufc2002

Hi all


18/06/18 - offer accepted on a property (£202.5k) and Mortgage Broker requested a DIP from HSBC (came back as referred). We do have a DIP from Halifax for £213k however their products are so much more expensive hence the DIP application to HSBC.


19/06/18 - Broker submitted full mortgage application for £182.25k (90% LTV) and provided bank statements/payslips etc.


19/06/18 - Received a voicemail from Countrywide Surveyors to say that HSBC have instructed them to survey the property.


I haven't heard anything since. How long does it usually take for a decision? Should I be worried that the DIP was referred?


Thanks