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

danielwesthead

Just made full application via accord with my partner. Rejected last year with nationwide due to issues with fraudulent pay day loan application in my name, gotten an aip from accord based on 5% deposit - loaning 147,250.

Hoping to be good news, but not holding my breath after last years decline

Briggany

Mortgage offer received, Barclays have messed up big time and missed a glaringly obvious fact on all the paperwork... offer is currently being rescinded unless we can find another £10k.

Dribiddi

FTBs Here’s my timeline

Sat 11th Jan Viewed property
Tues 14th Jan offer submitted and revised, accepted. AIP got
Sat 25th Jan having got documents sorted and solicitor in place, full mortgage application send to Barclays

Slightly nervous as my address history is at my parents but application done against current address, have updated address with banks etc only this month. Also payed off lot of credit card debt start of month which statements confirm but credit file not updated....please please go through ok.
Anyone got recent experience with Barclays? Are they prompt?

EJ_96

Hello Everyone!

Thought I'd also join.. these posts have really helped to reassure me!

Here's my timeline:
13/01/20 - MIP with Accord Mortgages
18/01/20 - First Viewing
18/01/20 - Offer sent to EA
22/01/20 AM - Due to so many viewings, increased my offer due to best and final offers
22/01/20 PM - Offer Accepted!!!!!!!!!!
22/01/20 pm - Telephone chat with mortgage advisor. Paid homebuyers report
24/01/20 - Mortgage application submitted
27/01/20 - Equifax report shows credit check
27/01/20 - Valuation booked for 28/01/20
28/01/20 Awaiting for valuation feedback

So exciting.. but also so anxious!

EJ_96

danielwesthead wrote: »

Just made full application via accord with my partner. Rejected last year with nationwide due to issues with fraudulent pay day loan application in my name, gotten an aip from accord based on 5% deposit - loaning 147,250.

Hoping to be good news, but not holding my breath after last years decline

I'm also using Accord as well so fingers crossed. Where are you so far with your application?

I'm sure it'll work out, are you using a broker?

SameOldRoundabout

We are now 16 days in to the application. Lender being very very sticky about proving we no longer claim childcare costs. Awaiting a letter from HMRC to confirm that but worried it’ll take more than this week to arrive therefore our seller will be getting antsy. Nightmare.

EJ_96

SameOldRoundabout wrote: »

We are now 16 days in to the application. Lender being very very sticky about proving we no longer claim childcare costs. Awaiting a letter from HMRC to confirm that but worried it’ll take more than this week to arrive therefore our seller will be getting antsy. Nightmare.

Have they sent a valuer for your house yet?

Who's the lender?

Fingers crossed for you

SameOldRoundabout

No, they won’t book valuation until the mortgage is agreed by underwriters as they do a free valuation. It’s Nationwide. I’m in a bit of limbo really as my surveyor isn’t on their panel so there’s no point getting my full survey done until valuation just in case, don’t really want to pay out for conveyancing to start without a mortgage offer and everyone is waiting on us! My impatient side keeps wanting to just pay solicitors and get on with at least that side, but the way they’ve messed us around has really shaken me as we’ve got an AIP and it should have been smooth sailing!

AK1923844

Still anxiously waiting, every other part of the process as been checked off. Still waiting for Nationwide. They cancelled the original valuation due to missing paperwork (had been sent but missed), valuation done 2 weeks ago, report received early last week. Report sent back to surveyor because the report was incomplete. Now still waiting. Limbo!

EJ_96

SameOldRoundabout wrote: »

No, they won’t book valuation until the mortgage is agreed by underwriters as they do a free valuation. It’s Nationwide. I’m in a bit of limbo really as my surveyor isn’t on their panel so there’s no point getting my full survey done until valuation just in case, don’t really want to pay out for conveyancing to start without a mortgage offer and everyone is waiting on us! My impatient side keeps wanting to just pay solicitors and get on with at least that side, but the way they’ve messed us around has really shaken me as we’ve got an AIP and it should have been smooth sailing!

To be fair, I'd say you'd receive something fairly soon once they get the letter, then you'll get a decision. I've done a lot of reading and I'm sure it will be smooth sailing.

Do you have a mortgage broker? They should be keeping you up to date/reassuring you through this time.

I've just received my solicitor documents today, but awaiting confirmation on the valuation done today, so we'll see,