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

Ezgi

Hi all,

I also applied for a mortgage with natwest! Im soo excited and cant wait to get an offer! I have been rejected in january when my self and hubby applied together due to his bad credit file.. our nortgage broker then said to wait for 6 months for all search to clear in order to make a new application.

So this time around i only applied myself.. and here is the time line..

Monday 1st july: gave offer to property and passed the credit check by the agency which was bairstow eves (who like to take their own soft search and introduce thier own mortgage team)

Thursday 4th July: made an official application to Natwest! This was so bloody nerve wrecking

Friday 5th July: Lender aksed for copy of the documents.. so i sent via the bank.
Received a mail back saying please give 2 to 4 workong ti days to analyse.

Friday 5th July: surveyors booked in for 8th july (followong monday)

So now here i am although its a sunday and i need to rest with 2 kids at home, i still cant hold myself from checking emails every 2 second.

Im worrying that i may be rejected again due to jan application which was done woth halifax.

One thing i like about natwest online web is that you can actually track yoir application whic is so cool and releaxing.

Ezgi

Defo go with a broker as they will lead you ti going with lenders that benst suit your needs.

Ezgi

@byscottishsaver44
How come you made your applicatioj after a surrvey? Isnt it ment to be orher was round?

LawAbiding

Hi, joining the journey!

Broker advised to go via Aldermore.

See timeline:

27/06/2019 - AIP approved with Aldermore via a underwriter, it did not automatically approve
02/07/2019 - Full application submitted to Aldermore
05/07/2019 - Broker advised they seem happy and have instructed the valuation which was paid on the full application.
05/07/2019 - Aldermore requesting posted address documents, have had to ring utilities requesting posted copies as I have e-billing for everything.
10/07/2019 - Valuation of the property booked in.

nattybuk

We finally have our mortage offer 😃

It wasn’t an easy one but our broker was fantastic, it makes the offer even more exciting 😃

LawAbiding

Congratulations! Which company did you go with?

excelwizard

Thrilled to read about mortgage offers coming through for people and as of today I'm empathising with those who are feeling the anxiety of waiting to hear back

Timeline:
04/07 - Final offer accepted
05/07 - Solicitors instructed
10/07 - Solicitors paperwork received
11/07 - Solicitors paperwork & ID returned and disbursements paid for
12/07 - Mortgage application sent to HSBC via our broker

Now it's the waiting game...!

nattybuk

LawAbiding wrote: »

Congratulations! Which company did you go with?

We had to go with Aldermore due to my partners poor credit, hopefully it will only be short term before remortgaging once her credit improves.

Ginga16

Starting to panic now our application is in 😬😬😬Having to go with Precise due to DMP which will be fully paid on completion. Anyone got any experiences and timescales for us to expect. We accepted an offer on our current property and had our offer accepted during the week so it all comes down to this application.

Ginga16

PRECISE MORTGAGES Quick update......
DIP - 27.06.19
Offer accepted on our current and new home - 10.07.19
Full application - 11.07.19
Credit checked and valuation payment - 11.07.19
Request for further info - 16.07.19
,•Signed declaration
•Landline?
•Copy of Home Report for possible re-type of valuation.
•Is DMP in joint names?
•Solicitor offer to show equity to pay for deposit and clear DMP on completion
Statement of DMP showing reference and previous 12 months payments made on time (provides 5yrs worth) as DMP has been running since 2014 with only 1 year left but this will be cleared from funds of house sale.

Broker said I should hear back in a couple of days. The wait is killing me - anyone been in similar situation and had mortgage offer after providing all the info?
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