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

marcmc84

Offered on house and been accepted, got AIP and now broker has sent full application with documents to Santander. Awaiting decision on application - Nervous as 95% mortgage.

Noobie2011

We are in the merry go round again after a terrible broker but current situation is

AIP with Halifax - 9th June
Full Application passed - 9th June
Valuation booked on the 11th for the 22nd

So waiting nervously now for a valuation but is a new build so should be striaght forward. Mortgage Advisor said if comes in quick enough could get an offer on the 22nd

Pegasaurus

Yes! Offer from HSBC received today!

DIP on 1st
Full application on 4th
Valuation on 11th
Query on bank statements on 14th
Offer on 19th

What a horrible waiting game.

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!!