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

JennGa

First time buyers

08/02 viewed complete new build, put in offer 2 hours later
09/02 offer accepted, reserved plot
10/02 solicitors instructed, DIP with Santander
12/02 solicitors confirm receipt of paperwork, countdown begins!
13/02 Full mortgage application goes in.

Eek! We have 28 days to exchange then complete by end of March!

climbingoutoftheabyss

Quote:
Originally Posted by climbingoutoftheabyss
We submitted our application on the 6th, the property was valued on the 10th and we had to supply copies of proof of income on the 12th. Still waiting to hear if we get the mortgage offer, have been on tenterhooks all week waiting.

Please forgive my: Aaaarrrrggggggghhhhhhhhhhhh

Who have you applied with?

It's with Halifax, I'm hoping for a positive response today......

UnorganisedGirl

Got a note from the broker today to say the valuation is back and all they have to do is check the payslips! Hopefully hear today.

Green_grass

Green_grass wrote: »

I'm in too,

I'm going back to work soon! hubby self-employed.we are renting at moment.

Trying to get a mortgage when your self-employed is a nightmare!
Anyway we have 60% deposit, need to borrow at least 4x profit, so affordability borderline I suppose.

10/1 Saw house on right move
10/1 Viewed house
13/1 1st offer rejected, 2nd accepted

Long story but thought we had an AIP, a previous purchase that fell through, through EA internal guy, no such luck so had to start from scratch.

01/2 Appointed new MA who could search all of market
02/2 Told us to request SA302's from inland revenue
02/2 Rang IR asked them to be faxed said "no"
Rang again got some one nice -faxed across
06/2 Received original SA302's in post
11/2 Full application to Barclays/woolwich
11/2 Requested a years worth of proof of our rental payments

Now we wait.......:eek:

13/2 Got an e-mail to say your application is progressing to
Valuation stage - nothing like the personal touch!
13/2 Then got a phone call to say valuation booked for 19/2
Now more waiting - wish I had a fast forward button!

We can now track progress on Barclays mortgage track it!:T

KatieRose2021

Just chased up our MA... the valuation was Monday and he said we would hear something today so he's going to speak to our lender.


The waiting is horrible


Going to negotiate on fixtures and fittings with the seller tonight and look round the house so it would be nice if we had some good news!

[Deleted User]

dalo1981 wrote: »

15/01 sold my flat
18/01 viewed house
20/01 first and second offer rejected
21/01 third offer accepted
23/01 full application with Natwest Help to Buy awaiting further developments...
27/01 call from underwriters need copy hope OH P60 which will show £5k more then what the mortgage man put down because of overtime so not worried about that. Do you think they will accept a fax or scanned email or will they need to see the original.
28/01 sent P60 by email to guy in branch
01/02 called natwest not had p60 forwarded arghhhh :mad:
06/02 finally found the p60 valuation paid for. to be booked by 10/02
10/02 vendors on holiday no valuation
13/02 me going to cry soon. sale is full steam ahead, purchase

14/02 valuation satisfactory (vendors still away:cool:)

:j:j:j:jOFFER APPROVED IN THE POST :j:j:j:j

marginex

Ok small update, valuation was received by Virgin Money on Wednesday and all good and signed off!

Broker says we should find out Monday a result hopefully, Ive submitted all documents they requested at the app stage so do any folks here think it shoud be the mortgage offer?

We have done everything else we can do...

climbingoutoftheabyss

Quote:
Quote:
Originally Posted by climbingoutoftheabyss
We submitted our application on the 6th, the property was valued on the 10th and we had to supply copies of proof of income on the 12th. Still waiting to hear if we get the mortgage offer, have been on tenterhooks all week waiting.

Please forgive my: Aaaarrrrggggggghhhhhhhhhhhh

Who have you applied with?
It's with Halifax, I'm hoping for a positive response today......

Halifax requested my January pay slip today (they had Oct/Nov/Dec but I didn't have Jan when I submitted paperwork). MA told me they have all the paperwork now and that they 'don't envisage' any problems but that its going to be next week when we hear something.

Had hoped to know before the weekend, but the MA did say Halifax are swamped at the moment so nothing to worry about.....

Easy for them to say!

UnorganisedGirl

I'm waiting on the halifax too... Going to be Monday now! I bet I've got grey hair now.

LucyGoose

We are first time buyers

27/01 DIP with Santander.
13/02 Viewed house. We made an offer 4 hours later.
14/02 Offer accepted, full mortgage application submitted and solicitors instructed.

I'm so nervous I haven't slept for 2 days. OH however is not worried.