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

James131994

I will add mine, been reading lots of these posts recently! Applied with Nationwide via a broker.

Viewed property - 04/12/18
Decision In Principle - 18/12/18
New Decision In Principle (slight amendment) - 29/01/19
Mortgage Application Submitted - 29/01/19
Survey booked for Friday 1st - 30/01/19
Marriage Certificate Requested - 01/02/2019

Hoping the snow does not slow things down, can't get hold of my broker so assume they couldn't make it into work!

A4445

I’m waiting nervously

Only submitted a full application last Thursday. Valuer already booked for this Wednesday. Do mortgage companies send out a valuer before the underwriters look at the application and credit reports, or does it seem like it’s already been looked at?

beckylynne

I’m on a similar timeline to you! Application submitted on Thurs. Valuation booked for tomorrow. So nervous that they’ll undervalue. ��

From what I’ve read they perform credit checks first and then book a valuation. I’m not an expert on this subject though!

lb001

I received my offer on Friday morning. Good luck everyone! :j

James131994

James131994 wrote: »

I will add mine, been reading lots of these posts recently! Applied with Nationwide via a broker.

Viewed property - 04/12/18
Decision In Principle - 18/12/18
New Decision In Principle (slight amendment) - 29/01/19
Mortgage Application Submitted - 29/01/19
Survey booked for Friday 1st - 30/01/19
Marriage Certificate Requested - 01/02/2019

Hoping the snow does not slow things down, can't get hold of my broker so assume they couldn't make it into work!

Updated Timeline

Viewed property - 04/12/18
Decision In Principle - 18/12/18
New Decision In Principle (slight amendment) - 29/01/19
Mortgage Application Submitted - 29/01/19
Survey booked for Friday 1st - 30/01/19
Marriage Certificate Requested - 01/02/2019
Valuation received (full valuation) - 01/02/2019
Proof car finance has been paid off requested - 04/02/2019

Really hopeful we will get an offer this week!

beckylynne

Lender valuation is happening today - I'm so anxious!

We're applying for a mortgage with TSB. Our current timeline:

First viewing - 26/01/2019
Second viewing - 28/01/2019
DIP from TSB - 28/01/2019
Offer made and accepted - 28/01/2019 (it was a busy day..!)
Solicitor confirmed and details swapped with EA and broker - 31/01/2019
Official mortgage application submitted - 31/01/2019
Lender valuation booked - 01/02/2019
Lender valuation conducted - 04/02/2019

Fingers crossed!

rijack

Waiting for offer..

14/01 - full application to Natwest through broker
14/01 - 18/01 - evidence provided to L&C to pass to lender
24/01 - further conversation regarding outgoings with broker and additional evidence requests and submitted
25/01 - valuation report received by lender
30/01 - further evidence requested and submitted

I'm just praying we get some good news this week! It sounded like they were close when our broker last spoke to them.. It's so difficult not to pester my broker every day and ask them if there is any status update..

rijack

rijack wrote: »

Waiting for offer..

14/01 - full application to Natwest through broker
14/01 - 18/01 - evidence provided to L&C to pass to lender
24/01 - further conversation regarding outgoings with broker and additional evidence requests and submitted
25/01 - valuation report received by lender
30/01 - further evidence requested and submitted

I'm just praying we get some good news this week! It sounded like they were close when our broker last spoke to them.. It's so difficult not to pester my broker every day and ask them if there is any status update..

05/02 - Offer received :j:beer:

Mason12345

Hi there. I have an AIP with Halifax and submitted my full application 2 weeks this Thursday. I've had soft & hard credit searches from both Halifax and bank of Scotland ( I know they are part of Lloyds banking group lol ) last one done on 24th January.. my broker recieved an email today saying my case had been 'reviewed and referred to an underwriter' also in bullet point - document confirming the underwriters requirements.. I'm self employed and have everything to back up my AIP.

Can some please advise me if my case has been approved beyond AIP and going to the underwriter is really to double check all is ok or should I be worried??

Many thanks

A4445

beckylynne wrote: »

I’m on a similar timeline to you! Application submitted on Thurs. Valuation booked for tomorrow. So nervous that they’ll undervalue. ��

From what I’ve read they perform credit checks first and then book a valuation. I’m not an expert on this subject though!

I checked with the lender today it’s been allocated to an underwriter but not sure if it’s been looked at. Valuation tomorrow, again hopefully no under value as the rate will increase. Their speed to offer is about a week so should know late this week or early need week depends on how quickly the valuer sends his report in. I was asked for ID this was promptly submitted.