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

sophieg27

12/08 - Offer Made
15/08 - AIP with Coventry Building Society
16/08 - Solicitors instructed
23/08 - Received a call advising valuers will be attending on 27/08


Does anyone know what's next? I'm guessing underwriters to review once valuation done, has anyone else gotten a mortgage with CBS recently?

clarey75

How did you get on?

asm89

Have you made a full application? If so..it'll be subject to the valuation of the property

Conniflowerxo

Conniflowerxo wrote: »

Hi everyone,

Myself and my partner are FTB’s and are applying for a Halifax mortgage with an 81% LTV.

Our timeline stands:
08/07 MB meeting and MIP’s
24/07 viewed house
26/07 offer accepted and solicitor appointed
27/07 new MIP and mortgage certificate
27/07 ID checks with estate agents
29/07 MB meeting to choose mortgage
30/07 sent paperwork to MB
01/08 Nationwide declined- applied for Halifax and paid valuation fee
02/08 phonecall to say surveyor didn’t turn up

We have now got the valuation booked in again for the 13/08 but they’ve told us we won’t have our offer until the 21/08!! It feels like we’ve had knock back after knock back and I’m losing hope! 😖

So glad I’ve got all your forums and success stories to keep me going!
Any advice would be kindly appreciated ♥️

UPDATE

13/08 valuation took place
20/08 valuation report received valuing property at asking price of mortgage
23/08 OFFER RECEIVED via post 😍:rotfl::beer:


Now on to the next part!
Hope everyone’s goes smoothly and you aren’t all waiting as long as we were 😬

nadine_P

AIP with natwest via broker 2nd August
Offer on a property accepted 8th August
Full application submitted to natwest 12th August
Valuation done and all ok 21st August
Natwest tracker is showing everything ticked except one from 19th August asking broker to call to discuss clients application, broker has spoken to them since then but it is still on tracker.
23rd after pushing broker via chat for update they sent me email saying natwest have come back with a query and broker is dealing with it. Should I be worried?

I am using habito online free mortgage broker service, they are not the easiest to get hold of to be honest which makes me anxious and frustrated. Now have I got an email at around 17:48 on Friday 23rd August before a bank holiday saying they have a query, I am now left in limbo until next week without being able to liaise with anyone (one wonders if this was the intent) just leaves me even more anxious and frustrated.

We have paid the solicitors for the searches on the property so I am also concerned that if it all goes wrong from this point I will lose this money. Then there are the hard searches they do that will be on the credit files, each one reducing your credit worthiness for when you apply elsewhere. Right now I am pulling my hair out, I hate the process. I went through my bank the last time (Halifax) and can honestly say although not as much choice I was put at ease if I was worried, they kept me updated constantly and I never felt like I was unable to contact them or as anxious and frustrated as I do using a broker.

clarey75

We were offered a Shared ownership
Property
Had a mortgage broker suggested via Property Developers
Had Mortgage chat
MB applied to Leeds as House is s106/New build/Shared owner ship
Leeds offer DIP - then declined
Realised i had an Arrangement to Pay on credit file, completely forgot about it - rest of our credit files are perfect!
MB applied to Virgin - declined

Hit panic mode!!!!!!!!

MB spoke to us and suggested Kent Reliance
20.08.2019 Did DIP with them - Accepted
24.08.2019 Full Mortgage application submitted

Now we are waiting.....this is so stressful

Cage

22 days after submitting full application, it's only just started underwriting. Stay clear of accord everyone

Ps I move in 3 days. Now I'll lose the house. They have not a care in the world.

dreamingofbuying

FTB’s
Adverse Credit History - contact with specialist broker to consider our options
Oct 2018: Find new build home and start reservation process - expected entry Set 2019
July 2019: AIP Aldermore Bank
Aug 2019: Pull out of property purchase due to learning of +++ local complaints about nearby recycling plant.
Back to the drawing board.
Find property 2.
Aug 12th 2019: View property 2 and love.
Aug 13th 2019: contact lawyer and make offer above asking price - advises multiple interested parties ... going to closing date Fri 16th aug - pipped at the post by another buyer.
Drawing board x 2
21st Aug 2019: 1st viewing of property 3
25th Aug 2019: 2nd viewing of property 3
26th Aug 2019: contact lawyer and submit offer - some price negotiation and offer accepted late that afternoon - WOOHOO!
27th Aug 2019: contact with broker by email to Request proceed to full application. Miss his call at 4.50pm to discuss ... call back and he has left the office *facepalm*


I’m desperate to just get things moving now! Can’t believe how nervous I feel about everything! Here’s hoping all goes to plan!

clarey75

It is really stressful right & a massive waiter ng game!

Halfie

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)
23rd August: Request for information around reasons for defaults
28th August: Request around bank statements. Namely, what are my "Marcus Savings" and how many dependents do I actually have. I think they though I had been saving thousands of pounds for a child called Marcus :rotfl::rotfl::rotfl::rotfl::rotfl: Its the savings account I've stuck all the money in for house moving :rotfl::rotfl::rotfl::rotfl: