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

rhodria89

Okay, thank you, that's good to hear. Yes, was just a basic valuation (We're getting a full survey done independently). I think obsessively reading this thread and seeing people who had their offers through on the same day as their valuation has skewed my perception somewhat! 

19alreadyforgot

I’m on the same timeline as you. Last Monday my full application went in. I only know they did a hard search on Tuesday because I have every credit app (credit karma, Experian etc. It’s only showing on credit karma as being done) letter from surveyors that was instructed by Halifax came Friday to sign . Heard nothing else. But they say no news is good news as this stage. 

mattdc

mattdc said:

We put our mortgage in to Skipton on January 24th, had an AIP straight away, full application in that afternoon, a valuation on 6th feb, sent a declaration form in on 11th Feb  now waiting to hear from them. I know it doesn't happen overnight but has anyone had any dealings with Skipton? And any timelines? I've read different things about them and made us even more anxious 😣 our homebuyers is booked for tomorrow. 

#UPDATE
Had a survey done on Friday, got an email on Saturday with the report in (all good) but still waiting on to hear anything for the mortgage itself 🤷  our broker has told us to hold off paying the solicitor until Skipton offer us the mortgage/acceptance.  Anxious isn't the word.

Chavy89

*DEEP BREATH*
ill join in aswell 
09/01 Offer sent
09/01 offer accepted 
11/01 DIP accepted (Halifax)
13/01 solicitor instructed
21/01 financial interview passed 
24/01 bank ask for info regarding the cladding 
24/01 seller sends me a FRA regarding this to send on 
28/01 bank reject FRA said they can see works where booked to change cladding want to see proof it was changed 
05/02 after alot of chasing HA finally gave us certification stating cladding changed 
07/02 bank rejects this saying they want a 1 page statement 
10/02 new application with different bank accepted 
12/02 valuation booked for the 14th
14/02 valuation completed 
now i wait... 

akorn77

Just to chime in. I submitted my application on Thursday 13th Feb. Got told today, that the valuation wont be until Monday 24th Feb because Halifax are inundated with mortgage applications apparently!! 

19alreadyforgot

akorn77 said:

Just to chime in. I submitted my application on Thursday 13th Feb. Got told today, that the valuation wont be until Monday 24th Feb because Halifax are inundated with mortgage applications apparently!! 

I think they send the “ job “ to local surveyors. 

My MB did say Halifax are a bit slow at the moment too. So that’s fits with what they told you then . 

akorn77

19alreadyforgot said:

akorn77 said:

Just to chime in. I submitted my application on Thursday 13th Feb. Got told today, that the valuation wont be until Monday 24th Feb because Halifax are inundated with mortgage applications apparently!! 

I think they send the “ job “ to local surveyors. 

My MB did say Halifax are a bit slow at the moment too. So that’s fits with what they told you then . 

Yeah. I'm pretty annoyed and frustrated by it, as I need a quick transaction. Means everything is delayed by 1 week. Two years ago, Halifax done it for me within 2 days. 

My broker said if Halifax do it by 2pm on Monday, I may get my mortgage offer on that same day. Worst case Tuesday. 

19alreadyforgot

akorn77 said:

19alreadyforgot said:

akorn77 said:

Just to chime in. I submitted my application on Thursday 13th Feb. Got told today, that the valuation wont be until Monday 24th Feb because Halifax are inundated with mortgage applications apparently!! 

I think they send the “ job “ to local surveyors. 

My MB did say Halifax are a bit slow at the moment too. So that’s fits with what they told you then . 

Yeah. I'm pretty annoyed and frustrated by it, as I need a quick transaction. Means everything is delayed by 1 week. Two years ago, Halifax done it for me within 2 days. 

My broker said if Halifax do it by 2pm on Monday, I may get my mortgage offer on that same day. Worst case Tuesday. 

I thought this was quite quick ,although I’ve not purchased for ages only sold so I can’t really remember how long it should take.
its always been solicitor that held it up for me.

onthemend88

Been waiting a long time to join this thread but finally, I can officially say I am awaiting mortgage decision

02/04/2019 - Plot reserved and reservation fee paid

17/02/2020 - Developer gives go ahead to submit mortgage application and rough date of completion end April/early May

17/02/2020 - DIP (Precise due to previous adverse credit)

18/02/2020 - Full Application submitted and initial assessment passed

So, so nervous but excited at the same time! 

Chavy89

Chavy89 said:

*DEEP BREATH*
ill join in aswell 
09/01 Offer sent
09/01 offer accepted 
11/01 DIP accepted (Halifax)
13/01 solicitor instructed
21/01 financial interview passed 
24/01 bank ask for info regarding the cladding 
24/01 seller sends me a FRA regarding this to send on 
28/01 bank reject FRA said they can see works where booked to change cladding want to see proof it was changed 
05/02 after alot of chasing HA finally gave us certification stating cladding changed 
07/02 bank rejects this saying they want a 1 page statement 
10/02 new application with different bank accepted 
12/02 valuation booked for the 14th
14/02 valuation completed 
now i wait... 

update valuation came back 15k less than what we need and as its a shared ownership property and we are buying 40% so it means we may have to make up the 6k ourselves privately, our only hope is that the valuer did not include the fact it has a parking space and have gone back to the valuers (countrywide) to see if they will take this in to account and change anything has any mortgage brokers had any success with this or any advice on what i should do