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

Bruce26

Finally joining the thread! Here’s my timeline so far!

9/01/2019 - First offer made on house - declined
16/01/2019 - Second offer made - declined, buyer playing hardball!
18/01/2019 - Third & final offer made, accepted!
18/01/2019 - Appointed broker
19/01/2019 - Posted all relevant information to broker (received 21/01/19)
23/01/2019 - Full mortgage application made & passed credit checks
23/01/2019 - Lender requested further info (proof of address as original docs sent in maiden name - we’ve recently got married)
24/01/2019 - Lender requested bank statement for December for partner (one I sent only showed 1/2 of December) & why queried I have only been on electoral roll at my current address since March 2018 which is incorrect!! I’ve been on since 2016!! :eek:
28/01/2019 - Contacted council for proof of being registered on electoral roll who sent info back same day
28/01/2019 - Sent info to broker & estate agent confirmed valuation booked for tomorrow.
29/01/2019 - Valuation complete & sent to broker!!

Just waiting for next steps & hoping to get the offer in the next few days!!! The waiting has been nerve wrecking but has only been 4 working days since application - hoping to hear back tomorrow!!!

Bruce26

Good news! Got our offer today!
So from application 23/01/19 to offer 31/01/19!
Here’s to the next hurdle!!!
Good luck everyone

lb001

Congratulations Bruce26!

My timeline is as follows

18th contacted L&C DIP with natwest given
19th full application submitted. 3 months payslips was all I initially required
21st 3 more months payslips requested, my last p60 and proof of address
23rd all of the above submitted.
28th online tracker showing as valuation booked (I'm in Scotland and the home report was only done 4 weeks ago. Contacted natwest who said the home report which was originally done by D M Hall is being sent to their surveyor countrywide to transcribe into their own format)
Still waiting to hear back. I'm going to call again today and see if there's any movement as it seems to be taking far longer than some of the other posters on here.

Anyone any ideas about the home report being transcribed/ how long it takes?

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..