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

TiberUK

Keepclimbingthathill wrote: »

That’s great news I hope that ours will be offered soon 🙏🏻

Best of luck, I am sure that you will hear soon! Its a dreadfully stressful process, I was pretty confident but was still literally losing sleep over it

Cage

L&C broker going with Accord.

It's been awful, I don't know what brokers do to actually get paid. It's like asking to get blood out of a stone to get any update, they ask for completely irrelevant info and they are extremely slow.

18 days since full application and still no sign of anything. They did ask me recently what I spent the bank loan on I got a while ago. Ridiculous, irrelevant questions and a total time waste.

jjmmww1

Accepted on the mortgage last Friday with Nationwide. Now the wait to exchange starts

Abbey10

**UPDATE**

19 Jul 2019- Reserved plot with agreement to complete 18 Aug 2019
31 Jul 2019- AIP from Halifax. Broker advised new rates from NatWest expected soon so recommended to hold off to see what they are
06 Aug 2019- AIP from NatWest (better rates)
06 Aug 2019- Full application to NatWest
10 Aug 2019- HTB authority to proceed granted
12 Aug 2019- Valuation booked for 15 Aug 2019
13 Aug 2019- Payslip and SA302 request from NatWest
20 Aug 2019- Requested docs submitted (delay due to having to have HMRC providing a statement
21 Aug 2019- MORTGAGE OFFER

So now we are just waiting on all to exchange next week hopefully :j

Halfie

Halfie wrote: »

Update:
25th July: AIP received through broker
31st July: Viewed House, put offer in
2nd August: Full application submitted (and Masthaven contacted the agent we're buying through the same day)
5th August: Money taken from bank for application fee and valuation
6th August: Offer accepted on new house

Well, what a palava. New house is now a no go due to planning permission for a dog kennels for up to 80 dogs so we’ve got another new property. 3rd time lucky?!

25th July: AIP received through broker
31st July: Viewed House, put offer in
2nd August: Full application submitted (and Masthaven contacted the agent we're buying through the same day)
5th August: Money taken from bank for application fee and valuation
6th August: Offer accepted on new house
17th August: Offer withdrawn from second property
17th August: offer accepted on property 3 (!!!)
20th August: new house details passed to Masthaven and request for increase of lend
22nd August: Request for additional information from lender around my name as I’ve had 3 very similar names (Maiden name, married name and divorced name)

Keepclimbingthathill

Halfie it looks like our applications are in and out of that underwriters pile.Thank goodness you found out about the kennels before you bought the house.Good look with the new place.I am not expecting to hear anything until after the bank holiday now ☹️

Halfie

Keepclimbingthathill wrote: »

Halfie it looks like our applications are in and out of that underwriters pile.Thank goodness you found out about the kennels before you bought the house.Good look with the new place.I am not expecting to hear anything until after the bank holiday now ☹️

Fingers crossed for you. I guess because we have more complex cases they have more to look into from a risk perspective so it will take a bit longer than high street lenders. Next time we’ll be one of the quick ones as our credit files will have healed

jamie_128

Just out of curiosity why do people worry they wont get accepted?

Ive just applied for a mortgage but already have an A.I.P and have no bad credit and using a independant financial advisor to sort it out. I can borrow way more than ive asked for but i dont want to stretch myself.

Is there something i need to be prepared for? What can go wrong with them potentially?

Cheers

TSal

TSal wrote: »

Valuation booked for 22nd and TSB are happy with my income and employment as I started a new job 3 weeks ago!

Fingers crossed.:)

Offer received yesterday (22nd August), so 3 working days from application to offer. TSB have been a breeze. Onto the waiting to exchange thread! :beer:

clarey75

I have just had a decision in Principle does anyone know what the underwriter is actually looking for?

Thanks