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

Chrisabian

Awesome, congratulations! Still waiting to hear on mine, sweating over here!

akorn77

Chrisabian said:

Awesome, congratulations! Still waiting to hear on mine, sweating over here!

Took 22 hours from Valuation to Offer. Good luck with yours too! 

Windofchange

We went with Halifax about a month ago. I heard from my broker that we had a mortgage offer before we got the letter saying they had instructed a valuation. From mortgage in with broker to offer in inbox was 6 days. 

dickson1234

Windofchange said:

We went with Halifax about a month ago. I heard from my broker that we had a mortgage offer before we got the letter saying they had instructed a valuation. From mortgage in with broker to offer in inbox was 6 days. 

That was quick. I did formal app on Friday. Survey bring completed today. Just hope I don’t get turned down now with Halifax as survey fee taken. 

akorn77

Unbelievable. Halifax issued with mortgage offer with the wrong property address. Now it has to go back to the value (pre-mortgage offer stage), just so it can be amended. And its going to take up to 5 days! And they wrote the wrong lease term...

19alreadyforgot

akorn77 said:

Unbelievable. Halifax issued with mortgage offer with the wrong property address. Now it has to go back to the value (pre-mortgage offer stage), just so it can be amended. And its going to take up to 5 days! And they wrote the wrong lease term...

For heavens sake ! What utter idiots. How did they manage that ?

akorn77

19alreadyforgot said:

akorn77 said:

Unbelievable. Halifax issued with mortgage offer with the wrong property address. Now it has to go back to the value (pre-mortgage offer stage), just so it can be amended. And its going to take up to 5 days! And they wrote the wrong lease term...

For heavens sake ! What utter idiots. How did they manage that ?

No idea. It's beyond belief. My solicitor is going to liaise with them directly to get it all rectified, but it all just causes further unnecessary delay...

Chrisabian

That's ridiculous. I'd be whacking a complaint straight in, there's no excuse for mistakes like that over something so important!
Well I received the mortgage lender's surveyor report today in the post; looks like the valuation has come back ok! Just waiting on the offer now. I understand from previous posts that my lender (Clydesdale) can be quite slow which is frustrating; I just want to knowww!! I assume that as it's got to this stage things are looking good though? Tick tock.

Sncjw

We have just submitted an application for mortgage today. 

We also sorted out a joint account with nationwide who is the lender too. This is to make it easier for us to keep the bills money aside so we are not tempted to spend it. My partner has also opened a bank account them to get £100 bonus each so that will help towards the first payment if it’s slightly higher than normal. 

Also we will get £1500 cash back because I saved over 5k and also that we are first time buyers. 

Lews_100

Thought I would add my recent application timeline to this thread. It was a Halifax 5 year Fixed Rate (using HTB for a newbuild Barratt Home) and processed using a broker. 
Thurs 20th Feb - AIP & Full application 
Friday 21st Feb - Valuation Booked 
Wed 26th Feb - Valuation completed 
Thurs 27th Feb - Mortgage Offer Received 
Really impressed with Halifax's turn around. The mortgage offer letter was actually dated the 26th meaning they took less than a week for the whole process.