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

katherz44

Viki2410 wrote: »

Thought I would add my timeline below:

23/09/18 - Viewed Plot/Plans
28/09/18 - DIP Received
30/09/18 - Reservation (New Build)
7/12/18 - H2B Application Submitted
12/12/18 - H2B Application Resubmitted due to incorrect sums
17/12/18 - H2B AIP Received
10/01/19 - Paid Solicitors to start searches to show willing as did not want to exchange contracts until March (agreed with Persimmon)
14/02/19 - Received call from Solicitors to say searches have not been done and Solicitor we have been communicating with is actually not looking after our account since December...
14/02/19 - New DIP with Aldermore
15/02/19 - Full Application sent in to Aldermore
15/02/19 - Hard Searches done
18/02/19 - Sent back Signed Declaration and Direct Debit Form and answered questions about outgoings (all happy with that)
18/02/19 - New Solicitors instructed
21/02/19 - Valuation Booked

Annoyingly we're 4 weeks behind where we should be due to the original solicitors not doing what they were paid to do and having to instruct new solicitors. But Aldermore are moving pretty quickly and were lucky that the broker is keeping us updated. I guess next week we will be looking at an update sometime, fingers crossed!

Sounds like you've had a stressful time of it but all good news with it now moving forward.

hunte78

Finally get to join.

Our broker has put our application in to Clydesdale. Underwriter came back with a couple of questions and now they have requested a copy of our employment contracts. At the same time we have been asked to sign a Customer declaration and direct debit form, don't know if this is a good sign or part of the standard process.

Been warned that Clydesdale can be slow and have to sign missives on 4th March so hoping it all goes through on time.

Cat_Mum

Congrats to everyone who’ve got their offers! We’ve had to have a structural report and then a drainage report (both fine) and now waiting for the valuer to review the drainage report before giving the house the ok. Our chain want to exchange 1st ‘March but it’s not looking so likely as we are still awaiting our offer!

katherz44

Hopefully the valuer will review the drainage report sharpish! I think it's fairly quick from then on with getting your offer.

Tigertailor

This process is trying to give me a heart attack!

12/01/19 Amazing property found
13/01/19 Contacted my broker
14/01/19 Decided on offer
15/01/19 1st offer - rejected
16/01/19 2nd offer after talking to vendor accepted-opened champagne!!
17/01/19 Started mortgage application but then told issues with accepted offer by EA!!! 4pm. other offer on table increased(1st heart attack!)

4:30pm Matched offer and stated final-no game paying (2nd heart attack) (hate the EA!)
9:45 pm Told they are choosing us and house off market! Crying and 2nd bottle of champagne!

18/01/19 Restarted mortgage application with new price tag!
21-24/01/19 Discussions over mortages & insurances& solicitors & Gathered & sent all required paperwork etc (love my broker! Think he missed his calling to become a therapist!!)

25/01/19 Application formally submitted Nationwide
25/01/19 Hard credit search by Nationwide
28/01/19 Documents request (they already had them!)
1/2/19 Valuation & Survey Countrywide booked
1/2/19 Valuation & Survey cancelled inclement weather! (3rd heart attack)

1/2/19 Document request (current pay statement as passed monthly pay date)
4/2/19 Document request (pay rise letter)
Survey rebooked for 8/2/2019 & told we
not allowed to attend!
5/2/19 Soft Credit search by Nationwide
6/2/19 Document request- pension clarification
6/2/19 Survey cancelled (4th heart attack!) House too old for homebuyer survey so basic requested for now

6/2/19 Told Nationwide have all they need and accept all paperwork and it is currently in processing and survey will be booked within 5 days.
......waiting......

UPDATE

10/2/19 Chased for valuation booking as one hadn't been organised
11/2/19 informed one is in process of being organised
14/2/19 Actual Valuation takes place!
19/2/19 Told Nationwide in receipt of valuation and all else looks as it should

20/2/19 Mortgage offered!!!
20/2/19 Instructed the solicitors to start right away

Yippee!!!

For those who think that the process should be quick...I'm an example it's not always quick for various reasons!

We had an awesome team at L&C brokers, professional and can't fault them at all, did a brilliant job for us, every step of the way through various changes of prospective purchases in the last 5 months as we looked for our forever home.

Hoping the next steps won't be so laborious!!! Or nail-biting!!! Lol

Viki2410

Quick update...


Thought I would add my timeline below:

23/09/18 - Viewed Plot/Plans
28/09/18 - DIP Received
30/09/18 - Reservation (New Build)
7/12/18 - H2B Application Submitted
12/12/18 - H2B Application Resubmitted due to incorrect sums
17/12/18 - H2B AIP Received
10/01/19 - Paid Solicitors to start searches to show willing as did not want to exchange contracts until March (agreed with Persimmon)
14/02/19 - Received call from Solicitors to say searches have not been done and Solicitor we have been communicating with is actually not looking after our account since December...
14/02/19 - New DIP with Aldermore
15/02/19 - Full Application sent in to Aldermore
15/02/19 - Hard Searches done
18/02/19 - Sent back Signed Declaration and Direct Debit Form and answered questions about outgoings (all happy with that)
18/02/19 - New Solicitors instructed
21/02/19 - Valuation Booked
21/02/19 - Valuation Done
22/02/19 - Offer Received!

Annoyingly we're 4 weeks behind where we should be due to the original solicitors not doing what they were paid to do and having to instruct new solicitors. But Aldermore are moving pretty quickly and were lucky that the broker is keeping us updated. I guess next week we will be looking at an update sometime, fingers crossed!

***Spoke with the solicitor on Friday who is on the way with the searches etc so looking at exchange in the next 3 weeks. Very impressed with Aldermore though!

rrcollins92

11/02/2019 - New Build Reservation
14/02/2019 - Discussed Mortgage needs with Broker
14/02/2019 - Paid solicitor search fees
21/02/2019 - AIP Agreed with Barclays
21/02/2019 - Full application submitted
25/02/2019 - Valuation booked for 28/2


:whistle:

Minty82

It’s comforting to see other people in the same boat! I’ve been a nervous wreck for weeks now!

I’m on a 2nd mortgage application with new broker after our first application fell through with Halifax and their valuation. New broker found and application going through with Nationwide.

Valuation carried out on 21/02, and now the waiting game to see if that is coming back ok. I’m hoping on an update tomorrow!

Reading through the previous posts it seems Nationwide are pretty good at providing updates?

Congrats to everyone who has their offer so far!

Fortune_Favour

We were expecting our offer on Friday however, the valuation seems to have done in a totally different property as they said it was built in the 1950's (a miracle considering it's a Georgian house) and has a two story extension... which must have been put up since our offer went in :mad:
So, currently incredibly stressed out waiting for NatWest to sort out another valuation, they have till end of play tomorrow, according to our broker who also happens to be on a course all day.
:eek:

Argh.

clairet707

Tigertailor wrote: »

This process is trying to give me a heart attack!

12/01/19 Amazing property found
13/01/19 Contacted my broker
14/01/19 Decided on offer
15/01/19 1st offer - rejected
16/01/19 2nd offer after talking to vendor accepted-opened champagne!!
17/01/19 Started mortgage application but then told issues with accepted offer by EA!!! 4pm. other offer on table increased(1st heart attack!)

4:30pm Matched offer and stated final-no game paying (2nd heart attack) (hate the EA!)
9:45 pm Told they are choosing us and house off market! Crying and 2nd bottle of champagne!

18/01/19 Restarted mortgage application with new price tag!
21-24/01/19 Discussions over mortages & insurances& solicitors & Gathered & sent all required paperwork etc (love my broker! Think he missed his calling to become a therapist!!)

25/01/19 Application formally submitted Nationwide
25/01/19 Hard credit search by Nationwide
28/01/19 Documents request (they already had them!)
1/2/19 Valuation & Survey Countrywide booked
1/2/19 Valuation & Survey cancelled inclement weather! (3rd heart attack)

1/2/19 Document request (current pay statement as passed monthly pay date)
4/2/19 Document request (pay rise letter)
Survey rebooked for 8/2/2019 & told we
not allowed to attend!
5/2/19 Soft Credit search by Nationwide
6/2/19 Document request- pension clarification
6/2/19 Survey cancelled (4th heart attack!) House too old for homebuyer survey so basic requested for now

6/2/19 Told Nationwide have all they need and accept all paperwork and it is currently in processing and survey will be booked within 5 days.
......waiting......

UPDATE

10/2/19 Chased for valuation booking as one hadn't been organised
11/2/19 informed one is in process of being organised
14/2/19 Actual Valuation takes place!
19/2/19 Told Nationwide in receipt of valuation and all else looks as it should

20/2/19 Mortgage offered!!!
20/2/19 Instructed the solicitors to start right away

Yippee!!!

For those who think that the process should be quick...I'm an example it's not always quick for various reasons!

We had an awesome team at L&C brokers, professional and can't fault them at all, did a brilliant job for us, every step of the way through various changes of prospective purchases in the last 5 months as we looked for our forever home.

Hoping the next steps won't be so laborious!!! Or nail-biting!!! Lol

That still seems quick to me :rotfl:
Oh and you are lucky with L&C - we had a dreadful experience with them, have put in a complaint and will never use them again.