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

confused1973

So after some back and forth with Halifax about the letter from my employer, they finally accepted it.

The valuation was done yesterday, 10/02 and we got our mortgage offer today! I'm so pleased! We've exchanged contracts with Persimmon so we just need to wait on the house being finished now!

Well done ! I am in exact same boat as you but waiting on mortgage offer . Valuation done last thursday but received a copy today in post from surveyor but no word from Halifax as yet .
Could I ask , did you receive your valuation by post and then the offer or did you get the offer as soon as valuer had been to the site ?

HopefulBuyer

confused1973 said:

So after some back and forth with Halifax about the letter from my employer, they finally accepted it.

The valuation was done yesterday, 10/02 and we got our mortgage offer today! I'm so pleased! We've exchanged contracts with Persimmon so we just need to wait on the house being finished now!

Well done ! I am in exact same boat as you but waiting on mortgage offer . Valuation done last thursday but received a copy today in post from surveyor but no word from Halifax as yet .
Could I ask , did you receive your valuation by post and then the offer or did you get the offer as soon as valuer had been to the site ?

The valuation was done yesterday and we had out offer this morning. I would call whoever you're dealing with and chase it up.

FtbDreaming

Halifax got back to the broker with the valuation tonight. They've valued it as £80,000 so £2,000 under what I'm paying. Ive had to go into a higher ltv bracket with just a 2 year fix. Im not really bothered anymore i just want a mortgage and in 2 years i wont have a ccj and ill be in a permanent likely full time position by then. 

Just waiting for offer now i think! Don't wanna get too confident after yesterday’s wobble. 

Good luck to everyone else

100weight

FTB. Buying on my own. Offer on a house accepted. Full application for mortgage should have been submitted today via broker. Bricking it... Nervous as hell.    send good luck my way !!!

FtbDreaming

Its awful isn't it 100weight i don't think I've slept properly for weeks and I'm working a night shift tonight so I probably won’t sleep properly tomorrow day waiting for an email or phonecall. My broker has been fantastic but I feel a bit powerless not being in control myself as I usually do everything myself. 

100weight

FtbDreaming said:

Its awful isn't it 100weight i don't think I've slept properly for weeks and I'm working a night shift tonight so I probably won’t sleep properly tomorrow day waiting for an email or phonecall. My broker has been fantastic but I feel a bit powerless not being in control myself as I usually do everything myself. 

I am in the EXACT same boat mate. Also working a night shift and won't be sleeping tomorrow for the same reason. I've done everything I can. It's all in someone else's hands and that's no good for my health ha ha!

19alreadyforgot

DIP from Halifax on Wednesday, Offer on house accepted. full application tomorrow.85% mortgaged
 Single applicant. Recent divorce.
Taking nothing for granted. I’ve not had much luck last few years  🤞🏻

FtbDreaming

Good luck to everyone still waiting!!! Ive just had my offer!!! I am absolutely buzzing! Guess i get to move over to the waiting to exchange thread now! 

My timeline:
3rd feb: dip with Halifax
7th feb: full application submitted 
10th feb: more info / clarification requested
11th feb: valuation
12th feb: offer received

Now the conveyancer has been instructed so just hoping the HA play ball and get me through the next stage nice and smoothly! Ive just checked my balances and I need £1145 to be able to pay everything without going into my overdraft so looking for 4 weeks to get that together really, if it goes through sooner ill use the overdraft but really trying not to. 

akorn77

I'll join the club! Second residential mortgage 
10 Feb - offer accepted 
11 Feb - DIP with Halifax 
13 Feb - Full application submitted 

jumperabv3

Can I ask out of curiosity, if you are using a mortgage broker are you waiting for the broker to call/email you with an update or are you actively calling the broker to check on the status etc.?