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

woofdonkey

DottieDam wrote: »

I thought I was having a hard time of it! I feel for you.

Thank you, it's genuinely nice of you to say that.

A lot of this has been over a typo on a document which we've now explained three times (hence the 3 letters). But the drop in the amount they will lend is a mystery. The underwriters do not clearly explain anything. Our broker's contact within Santander cannot speak the underwriters to clarify anything, and our broker has nobody else he can ask. We're going to give them another 24 hours to see if we hear any positive noises. If not, we will apply elsewhere.

I certainly wouldn't recommend the experience to anyone - it's a good job nobody in our chain is in a hurry.

Oddsocks21

Oddsocks21 wrote: »

Joining for the morale. I’m impatient and I hate it being out of my control 😂😂

First time buyer. Applying to Natwest through a MA
25/10 - AIP accepted
12/11 - house viewing
13/11 - offer made and accepted
17/11 - mortgage application meeting
19/11 - mortgage submitted
23/11 - MA says valuation has been requested, no other details given.

Update
28/11 - valuation completed (though I only found this out on offer)
29/11 - MA emails at 8:30am to say she’s arrived to find my mortgage offer say waiting for me!!

I am utterly thrilled! Now for the next steps...

_Amaryllis_

Just a quick update.

I received the mortgage offer in the post yesterday (28/11).

Good luck all, over to the Waiting to Exchange thread.

Lau0707

hi everyone

I've been stalking this thread for a few weeks but didn't want to post in case it jinxed things lol..
My husband and I have 3 defaults, that were settled 4-5 years ago, our credit scores are poor-average. one broker couldn't find us a lender, however we went to a well known broker who found a lender ASAP with TSB.. I tried looking for TSB threads but i can see a lot have gone with Halifax.. So thought I'd add my timeline with TSB. Its all happened incredibly quick, this time last month i was happily siting in my rented property thinking we wouldn't buy until next year. landlady served notice beginning of November and the rest is history..

9/11 amended HTB form.
12/11 AIP received from broker.
13/11 reserved new build & application accepted.
16/11 all documents sent via DHL to broker
19/11 broker confirms receipt of docs
20/11 broker emailed to say all docs are fine and assessment has been completed. Due to fully submitted soon.
20/11 fully submitted to TSB.
21/11 viewed the house on site.
23/11 paid the reservation fee.
23/11 TSB requested more documents
23/11 documents sent back to TSB
27/11 broker confirmed TSB had them
27/11 memorandum of sale issued to us
27/11 checked credit report and TSB have done 3 searches on us. 12/11 20/11 22/11
28/11 paid solicitor deposit £250
29/11 Mortgage agreed subject to valuation
3/12 valuation to happen
:j:j:j

Clarabel87

Hi all

Our mortgage offer turned up today - reading this forum has definitely helped keep me sane. When I look back I’ve realised our wait was only just under two weeks so I really can’t complain at all, at the time it felt so much longer.

Here’s our timeline so far in case anyone is interested:
07/11 - view house
08/11 - make first offer rejected
09/11 - make second final offer
12/11 - offer accepted
13/11 - solicitor instructed
19/11 - all documents to broker
21/11 - mortgage application submitted
22/11 - gifted deposit letter bounced back
22/11 - mortgage valuation booked for 27/11
22/11 - memo of sale received
24/11 - terms and conditions and instruction received from solicitor
28/11 Halifax requests another payslip
28/11 mortgage valuation comes back okay valued at price we’ve agreed
30/11 payslip submitted
03/12 Halifax request proof gifted deposit in account
03/12 proof of gifted deposit submitted
03/12 terms and conditions hand deliver e to solicitor
03/12 bank transfer to solicitor to put on account
03/12 meeting at estate agent with sales progresser
04/12 full verbal mortgage offer from broker
:j

DottieDam

Lau0707 wrote: »

hi everyone

I tried looking for TSB threads but i can see a lot have gone with Halifax.. So thought I'd add my timeline with TSB. Its all happened incredibly quick,
:j:j:j

I submitted my application to TSB a full month before you and still waiting for final decision. :eek:

I mean yay for you and happy your wait is over but ARRRGGGHHH!

itani

We applied for a joint mortgage under help to buy London. We are also first time buyers

Broker sends in application to Halifax 17/10
We receive offer in post 26/10

aliceSE

aliceSE wrote: »

Joining you all!

FTB on a shared ownership property on my own.

Timeline so far:
16/10 - Viewing
19/10 - Offer made and accepted
30/10 - DIP from Halifax
02/11 - Mortgage application submitted
07/11 - Survey paid for and booked for 15/11
15/11 - Housing Association issued incorrect postcode on Memorandum of Sale so valuation doesn't go ahead
19/11 - Rebooked for 23/11
23/11 - Valuation takes place

Was hoping to have decision yesterday (26/11) but nothing.

My mortgage broker said Halifax are still waiting for the valuation report :think: but has said she expects I'll hear no later than close of business tomorrow...

Feels like it's been ages but I suppose it hasn't really. Eeek.

Update: Mortgage offer received yesterday (4/12) :j :j :j

woofdonkey

We're still waiting for a reply to a question sent to Santander's underwriters on Thursday 29th. (Today is Wednesday 5th, so we've been waiting almost a week for one response.) We're into our sixth week now and losing the will to live.

woofdonkey

Withdrawn our Santander application - clearly it's just not working out

30 Oct - Application submitted
31 Oct - Bounced back for documents
05 Nov - Santander increased product fee by £500
12 Nov - Documents supplied
13 Nov - Valuation instructed
15 Nov - Bounced back for documents
15 Nov - Documents supplied
15 Nov - Bounced back second time
16 Nov - Documents supplied
19 Nov - Chased
20 Nov - Letter 1 supplied
21 Nov - Chased again
22 Nov - Letter 2 requested
26 Nov - Letter 2 supplied
27 Nov - Bounced back - letter 2 is not long enough, they want letter 3
27 Nov - Letter 3 supplied.
29 Nov - Dropped amount they will lend by £30k, no reason
29 Nov - Back to underwriting queue
05 Dec - Chased
06 Dec - Getting seriously fed up, asked broker to escalate
07 Dec - Business manager admits the application has been lost for the last 8 days. Apologises and promises an answer today. But underwriter puts it back in underwriting queue for 2-3 more days for "missing" info provided 3 weeks ago
10 Dec - Promised a decision by business manager, again no decision came

The end. Going for another lender.